<TABLE> <S> <C>


<ARTICLE>                                               9              
<MULTIPLIER>                                        1,000
       
<S>                                               <C>
<PERIOD-TYPE>                                        6-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-START>                                 OCT-01-1997
<PERIOD-END>                                   MAR-31-1998
<CASH>                                               1,367
<INT-BEARING-DEPOSITS>                                 795
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          6,078
<INVESTMENTS-CARRYING>                              26,953
<INVESTMENTS-MARKET>                                26,948
<LOANS>                                            299,474
<ALLOWANCE>                                            807
<TOTAL-ASSETS>                                     344,861
<DEPOSITS>                                         251,606
<SHORT-TERM>                                        64,393
<LIABILITIES-OTHER>                                  3,681
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                          25,181
<TOTAL-LIABILITIES-AND-EQUITY>                     344,861
<INTEREST-LOAN>                                     11,942
<INTEREST-INVEST>                                      995
<INTEREST-OTHER>                                       121
<INTEREST-TOTAL>                                    13,058
<INTEREST-DEPOSIT>                                   6,429
<INTEREST-EXPENSE>                                   8,005
<INTEREST-INCOME-NET>                                5,053
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      2,977
<INCOME-PRETAX>                                      2,989
<INCOME-PRE-EXTRAORDINARY>                           1,962
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,962
<EPS-PRIMARY>                                          .49
<EPS-DILUTED>                                          .47
<YIELD-ACTUAL>                                        3.16
<LOANS-NON>                                            172
<LOANS-PAST>                                            72
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       827
<CHARGE-OFFS>                                           20
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      807
<ALLOWANCE-DOMESTIC>                                    55
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                752
        


</TABLE>