<TABLE> <S> <C>


<ARTICLE>                     9

<LEGEND>

THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY  REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITSENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.

</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                            6,355
<INT-BEARING-DEPOSITS>                                0
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      12,876
<INVESTMENTS-CARRYING>                            2,811
<INVESTMENTS-MARKET>                             15,680
<LOANS>                                         139,744
<ALLOWANCE>                                         828
<TOTAL-ASSETS>                                  161,187
<DEPOSITS>                                      110,461
<SHORT-TERM>                                     16,000
<LIABILITIES-OTHER>                                 920
<LONG-TERM>                                      12,000
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                            223
<OTHER-SE>                                       21,297
<TOTAL-LIABILITIES-AND-EQUITY>                  163,618
<INTEREST-LOAN>                                   7,826
<INTEREST-INVEST>                                 1,063
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                  8,889
<INTEREST-DEPOSIT>                                3,326
<INTEREST-EXPENSE>                                4,513
<INTEREST-INCOME-NET>                             4,376
<LOAN-LOSSES>                                        67
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                   2,498
<INCOME-PRETAX>                                   2,580
<INCOME-PRE-EXTRAORDINARY>                        1,601
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      1,601
<EPS-BASIC>                                       .73
<EPS-DILUTED>                                       .69
<YIELD-ACTUAL>                                     3.73
<LOANS-NON>                                       1,358
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                    764
<CHARGE-OFFS>                                        11
<RECOVERIES>                                          8
<ALLOWANCE-CLOSE>                                   828
<ALLOWANCE-DOMESTIC>                                828
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0



</TABLE>