<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                          <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                            1,590
<INT-BEARING-DEPOSITS>                                0
<FED-FUNDS-SOLD>                                 48,974
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      45,901
<INVESTMENTS-CARRYING>                           13,274
<INVESTMENTS-MARKET>                             13,117
<LOANS>                                         368,959
<ALLOWANCE>                                       2,800
<TOTAL-ASSETS>                                  490,853
<DEPOSITS>                                      343,355
<SHORT-TERM>                                      5,000
<LIABILITIES-OTHER>                              75,263
<LONG-TERM>                                      30,000
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                              0
<OTHER-SE>                                       37,235
<TOTAL-LIABILITIES-AND-EQUITY>                  490,853
<INTEREST-LOAN>                                   7,024
<INTEREST-INVEST>                                   931
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                  7,955
<INTEREST-DEPOSIT>                                3,686
<INTEREST-EXPENSE>                                4,216
<INTEREST-INCOME-NET>                             3,739
<LOAN-LOSSES>                                       150
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                   2,872
<INCOME-PRETAX>                                   1,181
<INCOME-PRE-EXTRAORDINARY>                        1,181
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        747
<EPS-PRIMARY>                                         0
<EPS-DILUTED>                                         0
<YIELD-ACTUAL>                                     3.44
<LOANS-NON>                                         584
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  2,712
<CHARGE-OFFS>                                        80
<RECOVERIES>                                         18
<ALLOWANCE-CLOSE>                                 2,800
<ALLOWANCE-DOMESTIC>                              2,800
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                             187
        


</TABLE>