<TABLE> <S> <C>


<ARTICLE>                                               9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                        1,000
                                   
       
<S>                                               <C>
<PERIOD-TYPE>                                     3-MOS
<FISCAL-YEAR-END>                                 SEP-30-1998
<PERIOD-END>                                      DEC-31-1997
<CASH>                                              4,774
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                   10,600
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        37,145
<INVESTMENTS-CARRYING>                             27,886
<INVESTMENTS-MARKET>                               27,976
<LOANS>                                            77,254
<ALLOWANCE>                                         1,127
<TOTAL-ASSETS>                                    160,408
<DEPOSITS>                                        136,083
<SHORT-TERM>                                            0
<LIABILITIES-OTHER>                                 2,426
<LONG-TERM>                                         1,812
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                              145
<OTHER-SE>                                         19,941
<TOTAL-LIABILITIES-AND-EQUITY>                    160,407
<INTEREST-LOAN>                                     1,565
<INTEREST-INVEST>                                   1,156
<INTEREST-OTHER>                                       64
<INTEREST-TOTAL>                                    2,784
<INTEREST-DEPOSIT>                                  1,429
<INTEREST-EXPENSE>                                     29
<INTEREST-INCOME-NET>                               1,326
<LOAN-LOSSES>                                          35
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                       904
<INCOME-PRETAX>                                       479
<INCOME-PRE-EXTRAORDINARY>                            479
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                          311
<EPS-PRIMARY>                                         .25<F1>
<EPS-DILUTED>                                         .24
<YIELD-ACTUAL>                                       7.29
<LOANS-NON>                                           444
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                    1,108
<CHARGE-OFFS>                                          16
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                   1,127
<ALLOWANCE-DOMESTIC>                                  503
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                               624
        
<FN>
<F1> BASIC EARNINGS PER SHARE
</FN>

</TABLE>