<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>                                               2,943
<INT-BEARING-DEPOSITS>                               3,015
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         26,377
<INVESTMENTS-CARRYING>                              13,866
<INVESTMENTS-MARKET>                                13,835
<LOANS>                                            159,076
<ALLOWANCE>                                          1,476
<TOTAL-ASSETS>                                     224,264
<DEPOSITS>                                         152,586
<SHORT-TERM>                                        10,000
<LIABILITIES-OTHER>                                  2,770
<LONG-TERM>                                         17,500
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            17,875
<OTHER-SE>                                          23,533
<TOTAL-LIABILITIES-AND-EQUITY>                     224,264
<INTEREST-LOAN>                                      5,814
<INTEREST-INVEST>                                    1,294
<INTEREST-OTHER>                                       370
<INTEREST-TOTAL>                                     7,478
<INTEREST-DEPOSIT>                                   3,136
<INTEREST-EXPENSE>                                   3,798
<INTEREST-INCOME-NET>                                3,680
<LOAN-LOSSES>                                           65
<SECURITIES-GAINS>                                       6
<EXPENSE-OTHER>                                      2,549
<INCOME-PRETAX>                                      1,664
<INCOME-PRE-EXTRAORDINARY>                           1,664
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,063
<EPS-PRIMARY>                                         0.12
<EPS-DILUTED>                                         0.12
<YIELD-ACTUAL>                                         2.5
<LOANS-NON>                                            245
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                       263
<LOANS-PROBLEM>                                      1,756
<ALLOWANCE-OPEN>                                     1,428
<CHARGE-OFFS>                                           17
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    1,476
<ALLOWANCE-DOMESTIC>                                 1,476
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
                                            


</TABLE>