<TABLE> <S> <C>


<ARTICLE>                                                                 9
<MULTIPLIER>                                                          1,000
       
<S>                                                                     <C>
<PERIOD-TYPE>                                                         6-MOS
<FISCAL-YEAR-END>                                               SEP-30-1999
<PERIOD-START>                                                  OCT-01-1998
<PERIOD-END>                                                    MAR-31-1999
<CASH>                                                                1,702
<INT-BEARING-DEPOSITS>                                                  531
<FED-FUNDS-SOLD>                                                          0
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                           5,734
<INVESTMENTS-CARRYING>                                               27,753
<INVESTMENTS-MARKET>                                                 27,687
<LOANS>                                                             336,748
<ALLOWANCE>                                                             848
<TOTAL-ASSETS>                                                      384,061
<DEPOSITS>                                                          274,188
<SHORT-TERM>                                                              0
<LIABILITIES-OTHER>                                                   4,288
<LONG-TERM>                                                          77,365
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<COMMON>                                                                  0
<OTHER-SE>                                                           28,220
<TOTAL-LIABILITIES-AND-EQUITY>                                      384,061
<INTEREST-LOAN>                                                      12,814
<INTEREST-INVEST>                                                       966
<INTEREST-OTHER>                                                        223
<INTEREST-TOTAL>                                                     14,003
<INTEREST-DEPOSIT>                                                    6,606
<INTEREST-EXPENSE>                                                    8,556
<INTEREST-INCOME-NET>                                                 5,447
<LOAN-LOSSES>                                                            45
<SECURITIES-GAINS>                                                        0
<EXPENSE-OTHER>                                                       3,621
<INCOME-PRETAX>                                                       3,144
<INCOME-PRE-EXTRAORDINARY>                                            2,069
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                          2,069
<EPS-PRIMARY>                                                           .52
<EPS-DILUTED>                                                           .49
<YIELD-ACTUAL>                                                         3.05
<LOANS-NON>                                                             819
<LOANS-PAST>                                                            142
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                        842
<CHARGE-OFFS>                                                            27
<RECOVERIES>                                                              0
<ALLOWANCE-CLOSE>                                                       848
<ALLOWANCE-DOMESTIC>                                                      0
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 848
        



</TABLE>