<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
       
<S>                                                                          <C>
<PERIOD-TYPE>                                                               YEAR
<FISCAL-YEAR-END>                                                    SEP-30-1998
<PERIOD-START>                                                       OCT-01-1997
<PERIOD-END>                                                         SEP-30-1998
<CASH>                                                                     1,607
<INT-BEARING-DEPOSITS>                                                     2,607
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                6,144
<INVESTMENTS-CARRYING>                                                    27,276
<INVESTMENTS-MARKET>                                                      27,451
<LOANS>                                                                  305,308
<ALLOWANCE>                                                                  842
<TOTAL-ASSETS>                                                           354,193
<DEPOSITS>                                                               266,007
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        4,395
<LONG-TERM>                                                               56,899
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                26,892
<TOTAL-LIABILITIES-AND-EQUITY>                                           354,193
<INTEREST-LOAN>                                                           24,813
<INTEREST-INVEST>                                                          1,980
<INTEREST-OTHER>                                                             278
<INTEREST-TOTAL>                                                          27,071
<INTEREST-DEPOSIT>                                                        13,118
<INTEREST-EXPENSE>                                                        16,748
<INTEREST-INCOME-NET>                                                     10,323
<LOAN-LOSSES>                                                                 60
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            6,321
<INCOME-PRETAX>                                                            6,122
<INCOME-PRE-EXTRAORDINARY>                                                 4,057
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               4,057
<EPS-PRIMARY>                                                               1.01
<EPS-DILUTED>                                                                .96
<YIELD-ACTUAL>                                                              3.07
<LOANS-NON>                                                                  936
<LOANS-PAST>                                                                 131
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             827
<CHARGE-OFFS>                                                                 47
<RECOVERIES>                                                                   2
<ALLOWANCE-CLOSE>                                                            842
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      842
        


</TABLE>