<TABLE> <S> <C>

<ARTICLE>              9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-QSB.
</LEGEND>
<MULTIPLIER>           1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-START>                             OCT-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           6,975
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                18,150
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          13,868
<INVESTMENTS-MARKET>                            13,863
<LOANS>                                        167,189
<ALLOWANCE>                                      1,904
<TOTAL-ASSETS>                                 219,699
<DEPOSITS>                                     153,200
<SHORT-TERM>                                    24,000
<LIABILITIES-OTHER>                              1,752
<LONG-TERM>                                     23,993
<PREFERRED-MANDATORY>                            3,656
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      13,098
<TOTAL-LIABILITIES-AND-EQUITY>                 219,699
<INTEREST-LOAN>                                  3,514
<INTEREST-INVEST>                                  179
<INTEREST-OTHER>                                   206
<INTEREST-TOTAL>                                 3,899
<INTEREST-DEPOSIT>                               1,577
<INTEREST-EXPENSE>                                 753
<INTEREST-INCOME-NET>                            1,568
<LOAN-LOSSES>                                     (72)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,361
<INCOME-PRETAX>                                    584
<INCOME-PRE-EXTRAORDINARY>                         381
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       381
<EPS-PRIMARY>                                      .12
<EPS-DILUTED>                                      .11
<YIELD-ACTUAL>                                    3.18
<LOANS-NON>                                        672
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,002
<CHARGE-OFFS>                                       66
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,904
<ALLOWANCE-DOMESTIC>                             1,554
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            350
        


</TABLE>