<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  EXTRACTED  FROM  "THE
CONSOLIDATED FINANCIAL STATEMENTS" AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                               2,818
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                     4,800
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         37,278
<INVESTMENTS-CARRYING>                               3,881
<INVESTMENTS-MARKET>                                 3,965
<LOANS>                                             78,713
<ALLOWANCE>                                            167
<TOTAL-ASSETS>                                     131,935
<DEPOSITS>                                          88,310
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  2,130
<LONG-TERM>                                         10,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            21,532
<OTHER-SE>                                           9,963
<TOTAL-LIABILITIES-AND-EQUITY>                     131,935
<INTEREST-LOAN>                                      5,544
<INTEREST-INVEST>                                    2,676
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     8,220
<INTEREST-DEPOSIT>                                   3,199
<INTEREST-EXPENSE>                                   3,424
<INTEREST-INCOME-NET>                                4,796
<LOAN-LOSSES>                                           70
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      4,175
<INCOME-PRETAX>                                      1,001
<INCOME-PRE-EXTRAORDINARY>                           1,001
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           600
<EPS-PRIMARY>                                         0.29
<EPS-DILUTED>                                         0.29
<YIELD-ACTUAL>                                        4.14
<LOANS-NON>                                              0
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       139
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      167
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                167
        


</TABLE>