<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-START>                                 OCT-01-1999
<PERIOD-END>                                   MAR-31-2000
<CASH>                                               3,586
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         23,067
<INVESTMENTS-CARRYING>                              12,864
<INVESTMENTS-MARKET>                                12,184
<LOANS>                                            171,635
<ALLOWANCE>                                          1,522
<TOTAL-ASSETS>                                     245,233
<DEPOSITS>                                         161,142
<SHORT-TERM>                                        10,269
<LIABILITIES-OTHER>                                  2,210
<LONG-TERM>                                         32,500
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            15,366
<OTHER-SE>                                          23,033
<TOTAL-LIABILITIES-AND-EQUITY>                     245,233
<INTEREST-LOAN>                                      6,263
<INTEREST-INVEST>                                    1,007
<INTEREST-OTHER>                                       697
<INTEREST-TOTAL>                                     7,968
<INTEREST-DEPOSIT>                                   3,338
<INTEREST-EXPENSE>                                   4,356
<INTEREST-INCOME-NET>                                3,612
<LOAN-LOSSES>                                           15
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      2,915
<INCOME-PRETAX>                                      1,403
<INCOME-PRE-EXTRAORDINARY>                           1,403
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           958
<EPS-BASIC>                                           0.22
<EPS-DILUTED>                                         0.22
<YIELD-ACTUAL>                                         2.6
<LOANS-NON>                                            147
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                       258
<LOANS-PROBLEM>                                      1,717
<ALLOWANCE-OPEN>                                     1,509
<CHARGE-OFFS>                                            2
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    1,522
<ALLOWANCE-DOMESTIC>                                 1,522
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>