<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>                                     1,000
       
<S>                                           <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                           4,897
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     19,620
<INVESTMENTS-CARRYING>                           3,665
<INVESTMENTS-MARKET>                            23,299
<LOANS>                                        126,246
<ALLOWANCE>                                        763
<TOTAL-ASSETS>                                 156,308
<DEPOSITS>                                     104,660
<SHORT-TERM>                                     7,000
<LIABILITIES-OTHER>                                916
<LONG-TERM>                                     23,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           230
<OTHER-SE>                                      20,502
<TOTAL-LIABILITIES-AND-EQUITY>                 156,308
<INTEREST-LOAN>                                  7,352
<INTEREST-INVEST>                                  976
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 8,328
<INTEREST-DEPOSIT>                               3,423
<INTEREST-EXPENSE>                               4,254
<INTEREST-INCOME-NET>                            4,074
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,391
<INCOME-PRETAX>                                  2,206
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,356
<EPS-PRIMARY>                                      .62
<EPS-DILUTED>                                      .58
<YIELD-ACTUAL>                                    3.88
<LOANS-NON>                                        328
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   678
<CHARGE-OFFS>                                        7
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                  763
<ALLOWANCE-DOMESTIC>                               763
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            763
        


</TABLE>