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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-END> JUN-30-2000
<CASH> 948
<INT-BEARING-DEPOSITS> 1,459
<FED-FUNDS-SOLD> 2,314
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 19,208
<INVESTMENTS-CARRYING> 36,307
<INVESTMENTS-MARKET> 34,631
<LOANS> 95,877
<ALLOWANCE> 365
<TOTAL-ASSETS> 157,446
<DEPOSITS> 117,355
<SHORT-TERM> 0
<LIABILITIES-OTHER> 958
<LONG-TERM> 24,000
0
0
<COMMON> 129
<OTHER-SE> 15,003
<TOTAL-LIABILITIES-AND-EQUITY> 157,446
<INTEREST-LOAN> 5,373
<INTEREST-INVEST> 2,765
<INTEREST-OTHER> 199
<INTEREST-TOTAL> 8,336
<INTEREST-DEPOSIT> 4,270
<INTEREST-EXPENSE> 5,210
<INTEREST-INCOME-NET> 3,126
<LOAN-LOSSES> 90
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,104
<INCOME-PRETAX> 1,040
<INCOME-PRE-EXTRAORDINARY> 1,040
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 638
<EPS-BASIC> .55
<EPS-DILUTED> .55
<YIELD-ACTUAL> 2.71
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 345
<CHARGE-OFFS> 72
<RECOVERIES> 2
<ALLOWANCE-CLOSE> 365
<ALLOWANCE-DOMESTIC> 365
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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