<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>                                           6-MOS
<FISCAL-YEAR-END>                                 SEP-30-2000
<PERIOD-END>                                      MAR-31-2000
<CASH>                                                  2,417
<INT-BEARING-DEPOSITS>                                      0
<FED-FUNDS-SOLD>                                            0
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                             8,613
<INVESTMENTS-CARRYING>                                  3,912
<INVESTMENTS-MARKET>                                        0
<LOANS>                                                40,131
<ALLOWANCE>                                               186
<TOTAL-ASSETS>                                         57,722
<DEPOSITS>                                             42,795
<SHORT-TERM>                                            7,706
<LIABILITIES-OTHER>                                       340
<LONG-TERM>                                             1,450
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                                   38
<OTHER-SE>                                              5,394
<TOTAL-LIABILITIES-AND-EQUITY>                         57,722
<INTEREST-LOAN>                                         1,502
<INTEREST-INVEST>                                         389
<INTEREST-OTHER>                                           26
<INTEREST-TOTAL>                                        1,917
<INTEREST-DEPOSIT>                                        763
<INTEREST-EXPENSE>                                        243
<INTEREST-INCOME-NET>                                     911
<LOAN-LOSSES>                                              13
<SECURITIES-GAINS>                                          0
<EXPENSE-OTHER>                                           855
<INCOME-PRETAX>                                           151
<INCOME-PRE-EXTRAORDINARY>                                151
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                               99
<EPS-BASIC>                                               .29
<EPS-DILUTED>                                             .29
<YIELD-ACTUAL>                                            .17
<LOANS-NON>                                               635
<LOANS-PAST>                                               89
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                          187
<CHARGE-OFFS>                                               0
<RECOVERIES>                                                0
<ALLOWANCE-CLOSE>                                         186
<ALLOWANCE-DOMESTIC>                                      186
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                     0



</TABLE>