<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSLIDATED 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>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-START>                             OCT-01-1997
<PERIOD-END>                               JUN-30-1998
<CASH>                                           7,218
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           8,474
<INVESTMENTS-MARKET>                             8,597
<LOANS>                                        175,646
<ALLOWANCE>                                      2,109
<TOTAL-ASSETS>                                 207,381
<DEPOSITS>                                     139,858
<SHORT-TERM>                                     7,999
<LIABILITIES-OTHER>                              1,031
<LONG-TERM>                                     42,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,656
<OTHER-SE>                                      12,837
<TOTAL-LIABILITIES-AND-EQUITY>                 207,381
<INTEREST-LOAN>                                 11,447
<INTEREST-INVEST>                                  383
<INTEREST-OTHER>                                    88
<INTEREST-TOTAL>                                11,918
<INTEREST-DEPOSIT>                               4,075
<INTEREST-EXPENSE>                               2,754
<INTEREST-INCOME-NET>                            5,089
<LOAN-LOSSES>                                      329
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,867
<INCOME-PRETAX>                                  1,798
<INCOME-PRE-EXTRAORDINARY>                       1,196
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,196
<EPS-PRIMARY>                                      .38
<EPS-DILUTED>                                      .34
<YIELD-ACTUAL>                                    3.66
<LOANS-NON>                                        610
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,148
<CHARGE-OFFS>                                        2
<RECOVERIES>                                        42
<ALLOWANCE-CLOSE>                                2,109
<ALLOWANCE-DOMESTIC>                             1,759
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            350
        

</TABLE>