<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>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-START>                             OCT-01-1998
<PERIOD-END>                               JUN-30-1999
<CASH>                                           4,088
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          15,654
<INVESTMENTS-MARKET>                            15,906
<LOANS>                                        171,092
<ALLOWANCE>                                      1,808
<TOTAL-ASSETS>                                 205,258
<DEPOSITS>                                     145,367
<SHORT-TERM>                                    12,000
<LIABILITIES-OTHER>                              1,561
<LONG-TERM>                                     28,986
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,656
<OTHER-SE>                                      13,687
<TOTAL-LIABILITIES-AND-EQUITY>                 205,258
<INTEREST-LOAN>                                  3,444
<INTEREST-INVEST>                                  453
<INTEREST-OTHER>                                    98
<INTEREST-TOTAL>                                 3,995
<INTEREST-DEPOSIT>                               1,663
<INTEREST-EXPENSE>                                 678
<INTEREST-INCOME-NET>                            1,654
<LOAN-LOSSES>                                      123
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,295
<INCOME-PRETAX>                                    541
<INCOME-PRE-EXTRAORDINARY>                         364
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       364
<EPS-BASIC>                                        .11
<EPS-DILUTED>                                      .11
<YIELD-ACTUAL>                                    3.28
<LOANS-NON>                                        221
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,921
<CHARGE-OFFS>                                      113
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,808
<ALLOWANCE-DOMESTIC>                             1,458
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            350


</TABLE>