<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS                               
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   DEC-31-1998
<CASH>                                            2,516
<INT-BEARING-DEPOSITS>                            2,000 
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      16,757
<INVESTMENTS-CARRYING>                           19,620
<INVESTMENTS-MARKET>                             19,631
<LOANS>                                         133,719
<ALLOWANCE>                                         782
<TOTAL-ASSETS>                                  159,563 
<DEPOSITS>                                      108,916
<SHORT-TERM>                                      9,000
<LIABILITIES-OTHER>                               1,026
<LONG-TERM>                                      19,000
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                            230
<OTHER-SE>                                       22,417
<TOTAL-LIABILITIES-AND-EQUITY>                  159,563
<INTEREST-LOAN>                                   2,610
<INTEREST-INVEST>                                   372
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                  2,982
<INTEREST-DEPOSIT>                                1,135
<INTEREST-EXPENSE>                                1,531   
<INTEREST-INCOME-NET>                             1,451
<LOAN-LOSSES>                                        23
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                     848
<INCOME-PRETAX>                                     850
<INCOME-PRE-EXTRAORDINARY>                          527
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        527  
<EPS-PRIMARY>                                       .24
<EPS-DILUTED>                                       .23
<YIELD-ACTUAL>                                     3.75
<LOANS-NON>                                         919
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                    764
<CHARGE-OFFS>                                        (6) 
<RECOVERIES>                                          1
<ALLOWANCE-CLOSE>                                   782
<ALLOWANCE-DOMESTIC>                                782
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0 
        


</TABLE>