<TABLE> <S> <C>



<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY  REPORT ON FORM 10-Q AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                         1
       
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   MAR-31-1998
<CASH>                                           4,456,445
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                 7,150,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                    172,155,873
<INVESTMENTS-CARRYING>                         203,700,117
<INVESTMENTS-MARKET>                           204,803,174
<LOANS>                                        140,269,982
<ALLOWANCE>                                      2,005,552
<TOTAL-ASSETS>                                 540,008,146
<DEPOSITS>                                     428,132,602
<SHORT-TERM>                                    63,675,000
<LIABILITIES-OTHER>                              3,169,872
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         4,173,380
<OTHER-SE>                                      40,857,292
<TOTAL-LIABILITIES-AND-EQUITY>                 540,008,146
<INTEREST-LOAN>                                  5,604,199
<INTEREST-INVEST>                               12,681,940
<INTEREST-OTHER>                                   354,431
<INTEREST-TOTAL>                                18,640,570
<INTEREST-DEPOSIT>                               9,587,061
<INTEREST-EXPENSE>                              11,683,400
<INTEREST-INCOME-NET>                            6,957,170
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  2,918,475
<INCOME-PRETAX>                                  4,213,135
<INCOME-PRE-EXTRAORDINARY>                       4,213,135
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     2,724,379
<EPS-PRIMARY>                                         0.88
<EPS-DILUTED>                                         0.84
<YIELD-ACTUAL>                                        1.02
<LOANS-NON>                                         67,544
<LOANS-PAST>                                     1,111,798
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                  5,921,000
<ALLOWANCE-OPEN>                                 2,357,396
<CHARGE-OFFS>                                      351,844
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                2,005,552
<ALLOWANCE-DOMESTIC>                             2,005,552
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>