<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-30-2000
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           4,932
<INT-BEARING-DEPOSITS>                           1,897
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           8,676
<INVESTMENTS-MARKET>                             8,501
<LOANS>                                        190,501
<ALLOWANCE>                                      1,770
<TOTAL-ASSETS>                                 219,319
<DEPOSITS>                                     139,538
<SHORT-TERM>                                    36,265
<LIABILITIES-OTHER>                              1,706
<LONG-TERM>                                     23,980
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,736
<OTHER-SE>                                      14,093
<TOTAL-LIABILITIES-AND-EQUITY>                 219,319
<INTEREST-LOAN>                                  3,645
<INTEREST-INVEST>                                  141
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 3,786
<INTEREST-DEPOSIT>                               1,373
<INTEREST-EXPENSE>                                 774
<INTEREST-INCOME-NET>                            1,639
<LOAN-LOSSES>                                       31
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,462
<INCOME-PRETAX>                                    487
<INCOME-PRE-EXTRAORDINARY>                         305
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       305
<EPS-BASIC>                                        .10
<EPS-DILUTED>                                      .09
<YIELD-ACTUAL>                                    3.37
<LOANS-NON>                                        326
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,821
<CHARGE-OFFS>                                   87,000
<RECOVERIES>                                         5
<ALLOWANCE-CLOSE>                                1,770
<ALLOWANCE-DOMESTIC>                             1,420
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            350



</TABLE>