<TABLE> <S> <C>




<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   DEC-31-1997
<CASH>                                               2,498
<INT-BEARING-DEPOSITS>                                 896
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          8,770
<INVESTMENTS-CARRYING>                              12,388
<INVESTMENTS-MARKET>                                12,380
<LOANS>                                            118,401
<ALLOWANCE>                                            709
<TOTAL-ASSETS>                                     136,908
<DEPOSITS>                                         103,387
<SHORT-TERM>                                         5,000
<LIABILITIES-OTHER>                                    640
<LONG-TERM>                                          8,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               114
<OTHER-SE>                                          19,767
<TOTAL-LIABILITIES-AND-EQUITY>                     136,908
<INTEREST-LOAN>                                      2,404
<INTEREST-INVEST>                                      264
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     2,668
<INTEREST-DEPOSIT>                                   1,167
<INTEREST-EXPENSE>                                   1,371
<INTEREST-INCOME-NET>                                1,297
<LOAN-LOSSES>                                           30
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        835
<INCOME-PRETAX>                                        619
<INCOME-PRE-EXTRAORDINARY>                             619
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           384
<EPS-PRIMARY>                                          .35
<EPS-DILUTED>                                          .30
<YIELD-ACTUAL>                                        3.92
<LOANS-NON>                                            735
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       678
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             1
<ALLOWANCE-CLOSE>                                      709
<ALLOWANCE-DOMESTIC>                                   709
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                709
        


</TABLE>