<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  DERIVED 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>                                  12-MOS    
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                           2,016   
<INT-BEARING-DEPOSITS>                           3,650   
<FED-FUNDS-SOLD>                                     0   
<TRADING-ASSETS>                                     0   
<INVESTMENTS-HELD-FOR-SALE>                     16,820   
<INVESTMENTS-CARRYING>                           2,114   
<INVESTMENTS-MARKET>                             2,147   
<LOANS>                                        130,508   
<ALLOWANCE>                                        764   
<TOTAL-ASSETS>                                 158,711   
<DEPOSITS>                                     107,086   
<SHORT-TERM>                                     1,000   
<LIABILITIES-OTHER>                              1,377   
<LONG-TERM>                                     28,000   
<PREFERRED-MANDATORY>                                0   
<PREFERRED>                                          0   
<COMMON>                                           230   
<OTHER-SE>                                      21,018   
<TOTAL-LIABILITIES-AND-EQUITY>                 158,711
<INTEREST-LOAN>                                  9,905
<INTEREST-INVEST>                                1,055
<INTEREST-OTHER>                                   339
<INTEREST-TOTAL>                                11,299
<INTEREST-DEPOSIT>                               4,564
<INTEREST-EXPENSE>                               5,809
<INTEREST-INCOME-NET>                            5,490
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                  10
<EXPENSE-OTHER>                                  3,130
<INCOME-PRETAX>                                  3,133
<INCOME-PRE-EXTRAORDINARY>                       3,133
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,973
<EPS-PRIMARY>                                      .90
<EPS-DILUTED>                                      .85
<YIELD-ACTUAL>                                    3.80
<LOANS-NON>                                        532
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   678
<CHARGE-OFFS>                                        8
<RECOVERIES>                                         4
<ALLOWANCE-CLOSE>                                  764
<ALLOWANCE-DOMESTIC>                               764
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            764
                                                


</TABLE>