<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     ANNUAL  REPORT ON FORM 10-KSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                           2,744
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,458
<INVESTMENTS-CARRYING>                             810
<INVESTMENTS-MARKET>                            11,268
<LOANS>                                        148,493
<ALLOWANCE>                                        804
<TOTAL-ASSETS>                                 165,737
<DEPOSITS>                                     114,720
<SHORT-TERM>                                     4,000
<LIABILITIES-OTHER>                              1,951
<LONG-TERM>                                     24,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           217
<OTHER-SE>                                      20,849
<TOTAL-LIABILITIES-AND-EQUITY>                 165,737
<INTEREST-LOAN>                                 10,547
<INTEREST-INVEST>                                1,347
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                11,894
<INTEREST-DEPOSIT>                               4,447
<INTEREST-EXPENSE>                               6,031
<INTEREST-INCOME-NET>                            5,863
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,328
<INCOME-PRETAX>                                  3,514
<INCOME-PRE-EXTRAORDINARY>                       2,191
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,191
<EPS-BASIC>                                     1.01
<EPS-DILUTED>                                      .96
<YIELD-ACTUAL>                                    3.73
<LOANS-NON>                                      1,089
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   764
<CHARGE-OFFS>                                       58
<RECOVERIES>                                         8
<ALLOWANCE-CLOSE>                                  804
<ALLOWANCE-DOMESTIC>                               804
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            804



</TABLE>