<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>                                                                     2,237
<INT-BEARING-DEPOSITS>                                                     1,852
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                5,734
<INVESTMENTS-CARRYING>                                                    31,208
<INVESTMENTS-MARKET>                                                      31,134
<LOANS>                                                                      897
<ALLOWANCE>                                                              383,887
<TOTAL-ASSETS>                                                           438,452
<DEPOSITS>                                                               312,678
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        4,668
<LONG-TERM>                                                               89,348
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                31,758
<TOTAL-LIABILITIES-AND-EQUITY>                                           438,452
<INTEREST-LOAN>                                                           14,580
<INTEREST-INVEST>                                                          1,069
<INTEREST-OTHER>                                                             284
<INTEREST-TOTAL>                                                          15,933
<INTEREST-DEPOSIT>                                                         7,535
<INTEREST-EXPENSE>                                                         9,790
<INTEREST-INCOME-NET>                                                      6,143
<LOAN-LOSSES>                                                                 47
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            4,240
<INCOME-PRETAX>                                                            3,244
<INCOME-PRE-EXTRAORDINARY>                                                 3,244
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               2,142
<EPS-BASIC>                                                                  .49
<EPS-DILUTED>                                                                .46
<YIELD-ACTUAL>                                                              3.89
<LOANS-NON>                                                                  819
<LOANS-PAST>                                                                 142
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             917
<CHARGE-OFFS>                                                                 67
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                            897
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      897



</TABLE>