<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>                                 12-MOS
<FISCAL-YEAR-END>                             SEP-30-2000
<PERIOD-END>                                  SEP-30-2000
<CASH>                                           4,376
<INT-BEARING-DEPOSITS>                           1,136
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,905
<INVESTMENTS-CARRYING>                             507
<INVESTMENTS-MARKET>                               506
<LOANS>                                        170,442
<ALLOWANCE>                                        850
<TOTAL-ASSETS>                                 187,541
<DEPOSITS>                                     129,770
<SHORT-TERM>                                    19,000
<LIABILITIES-OTHER>                              1,215
<LONG-TERM>                                     15,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           215
<OTHER-SE>                                      22,341
<TOTAL-LIABILITIES-AND-EQUITY>                 187,541
<INTEREST-LOAN>                                 12,508
<INTEREST-INVEST>                                  860
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                13,368
<INTEREST-DEPOSIT>                               5,074
<INTEREST-EXPENSE>                               7,125
<INTEREST-INCOME-NET>                            6,243
<LOAN-LOSSES>                                      120
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,484
<INCOME-PRETAX>                                  3,679
<INCOME-PRE-EXTRAORDINARY>                       2,249
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,249
<EPS-BASIC>                                       1.08
<EPS-DILUTED>                                     1.04
<YIELD-ACTUAL>                                    3.61
<LOANS-NON>                                        960
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   804
<CHARGE-OFFS>                                      140
<RECOVERIES>                                        66
<ALLOWANCE-CLOSE>                                  850
<ALLOWANCE-DOMESTIC>                               850
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            850



</TABLE>