<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
ANNUAL REPORT ON FORM 10-KSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-END> SEP-30-2000
<CASH> 1,721
<INT-BEARING-DEPOSITS> 510
<FED-FUNDS-SOLD> 3,764
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 19,439
<INVESTMENTS-CARRYING> 36,539
<INVESTMENTS-MARKET> 35,375
<LOANS> 96,909
<ALLOWANCE> 395
<TOTAL-ASSETS> 159,916
<DEPOSITS> 120,045
<SHORT-TERM> 0
<LIABILITIES-OTHER> 420
<LONG-TERM> 24,000
0
0
<COMMON> 129
<OTHER-SE> 15,322
<TOTAL-LIABILITIES-AND-EQUITY> 159,916
<INTEREST-LOAN> 7,242
<INTEREST-INVEST> 3,678
<INTEREST-OTHER> 270
<INTEREST-TOTAL> 11,190
<INTEREST-DEPOSIT> 5,774
<INTEREST-EXPENSE> 7,070
<INTEREST-INCOME-NET> 4,120
<LOAN-LOSSES> 120
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,825
<INCOME-PRETAX> 1,320
<INCOME-PRE-EXTRAORDINARY> 800
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 800
<EPS-BASIC> .68
<EPS-DILUTED> .68
<YIELD-ACTUAL> 2.68
<LOANS-NON> 244
<LOANS-PAST> 14
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 345
<CHARGE-OFFS> 72
<RECOVERIES> 2
<ALLOWANCE-CLOSE> 395
<ALLOWANCE-DOMESTIC> 395
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>