<TABLE> <S> <C>


<ARTICLE>                                               9             
<MULTIPLIER>                                        1,000
       
<S>                                               <C>
<PERIOD-TYPE>                                        6-MOS
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-START>                                 OCT-01-1996
<PERIOD-END>                                   MAR-31-1997
<CASH>                                               1,276
<INT-BEARING-DEPOSITS>                                 840
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          3,457
<INVESTMENTS-CARRYING>                              27,283
<INVESTMENTS-MARKET>                                26,880
<LOANS>                                            265,040
<ALLOWANCE>                                            872
<TOTAL-ASSETS>                                     307,174
<DEPOSITS>                                         229,687
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  2,677
<LONG-TERM>                                         52,848
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                          21,962
<TOTAL-LIABILITIES-AND-EQUITY>                     307,174
<INTEREST-LOAN>                                     10,643
<INTEREST-INVEST>                                      562
<INTEREST-OTHER>                                       485
<INTEREST-TOTAL>                                    11,690
<INTEREST-DEPOSIT>                                   5,785
<INTEREST-EXPENSE>                                   7,183
<INTEREST-INCOME-NET>                                4,507
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                      36
<EXPENSE-OTHER>                                      2,833
<INCOME-PRETAX>                                      2,350
<INCOME-PRE-EXTRAORDINARY>                           1,551
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,551
<EPS-PRIMARY>                                          .39
<EPS-DILUTED>                                          .39
<YIELD-ACTUAL>                                        3.23
<LOANS-NON>                                            302
<LOANS-PAST>                                             5
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                        440
<ALLOWANCE-OPEN>                                       857
<CHARGE-OFFS>                                            5
<RECOVERIES>                                            20
<ALLOWANCE-CLOSE>                                      872
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                872
        


</TABLE>