<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-30-1998
<PERIOD-START>                             OCT-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           6,378
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,450
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           8,905
<INVESTMENTS-MARKET>                             8,908
<LOANS>                                        179,990
<ALLOWANCE>                                      2,002
<TOTAL-ASSETS>                                 208,840
<DEPOSITS>                                     126,732
<SHORT-TERM>                                    37,375
<LIABILITIES-OTHER>                              1,845
<LONG-TERM>                                     27,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,656
<OTHER-SE>                                      12,232
<TOTAL-LIABILITIES-AND-EQUITY>                 208,840
<INTEREST-LOAN>                                  3,796
<INTEREST-INVEST>                                  124
<INTEREST-OTHER>                                    33
<INTEREST-TOTAL>                                 3,953
<INTEREST-DEPOSIT>                               1,335
<INTEREST-EXPENSE>                                 945
<INTEREST-INCOME-NET>                            1,673
<LOAN-LOSSES>                                      229
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,158
<INCOME-PRETAX>                                    564
<INCOME-PRE-EXTRAORDINARY>                         373
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       373
<EPS-PRIMARY>                                      .24
<EPS-DILUTED>                                      .21
<YIELD-ACTUAL>                                    3.86
<LOANS-NON>                                        699
<LOANS-PAST>                                       137
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,816
<CHARGE-OFFS>                                       43
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                2,002
<ALLOWANCE-DOMESTIC>                             1,552
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            450
        

</TABLE>