<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     The schedule contains summary financial information extracted from the
quarterly report on Form 10-Q for the fiscal quarter and is qualified in its
entirety by reference to such quarterly report.
</LEGEND>
<MULTIPLIER>                                         1
<CURRENCY>                                         US$
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-START>                             OCT-01-1998
<PERIOD-END>                               MAR-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                       1,545,598
<INT-BEARING-DEPOSITS>                         796,987
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,517,212
<INVESTMENTS-CARRYING>                       7,729,764
<INVESTMENTS-MARKET>                         7,972,081
<LOANS>                                    105,952,624
<ALLOWANCE>                                    124,968
<TOTAL-ASSETS>                             120,888,700
<DEPOSITS>                                  79,647,315
<SHORT-TERM>                                 5,000,000
<LIABILITIES-OTHER>                            771,938
<LONG-TERM>                                 10,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        20,476
<OTHER-SE>                                  25,448,971
<TOTAL-LIABILITIES-AND-EQUITY>             120,888,700
<INTEREST-LOAN>                              3,846,904
<INTEREST-INVEST>                              441,767
<INTEREST-OTHER>                                26,271
<INTEREST-TOTAL>                             4,314,942
<INTEREST-DEPOSIT>                           1,870,072
<INTEREST-EXPENSE>                           2,195,677
<INTEREST-INCOME-NET>                        2,119,265
<LOAN-LOSSES>                                   12,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,036,921
<INCOME-PRETAX>                              1,344,865
<INCOME-PRE-EXTRAORDINARY>                     865,315
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   865,315
<EPS-PRIMARY>                                      .56
<EPS-DILUTED>                                      .56
<YIELD-ACTUAL>                                    3.68
<LOANS-NON>                                          0
<LOANS-PAST>                                   511,421
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               118,360
<CHARGE-OFFS>                                    5,392
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              124,968
<ALLOWANCE-DOMESTIC>                           124,968
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         11,000
        


</TABLE>