<TABLE> <S> <C>

<PAGE>

<ARTICLE>  9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               MAR-31-2000
<CASH>                                       1,656,455
<INT-BEARING-DEPOSITS>                         711,165
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,328,948
<INVESTMENTS-CARRYING>                       6,328,942
<INVESTMENTS-MARKET>                         6,386,383
<LOANS>                                    116,954,038
<ALLOWANCE>                                    146,881
<TOTAL-ASSETS>                             129,737,364
<DEPOSITS>                                  77,487,083
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            947,164
<LONG-TERM>                                 26,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        20,476
<OTHER-SE>                                  25,282,641
<TOTAL-LIABILITIES-AND-EQUITY>             129,737,364
<INTEREST-LOAN>                              4,247,818
<INTEREST-INVEST>                              294,446
<INTEREST-OTHER>                                74,853
<INTEREST-TOTAL>                             4,617,117
<INTEREST-DEPOSIT>                           1,770,398
<INTEREST-EXPENSE>                           2,495,658
<INTEREST-INCOME-NET>                        2,121,459
<LOAN-LOSSES>                                   18,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,031,755
<INCOME-PRETAX>                              1,207,437
<INCOME-PRE-EXTRAORDINARY>                     771,678
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   771,678
<EPS-BASIC>                                        .55
<EPS-DILUTED>                                      .54
<YIELD-ACTUAL>                                    3.41
<LOANS-NON>                                          0
<LOANS-PAST>                                   195,057
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               133,493
<CHARGE-OFFS>                                    4,862
<RECOVERIES>                                       250
<ALLOWANCE-CLOSE>                              146,881
<ALLOWANCE-DOMESTIC>                           133,099
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         13,782


</TABLE>