WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<PAGE> 
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM 
10-Q FOR THE QUARTER ENDED MARCH 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY 
REFERENCE TO THE UNAUDITED FINANCIAL STATEMENTS CONTAINED THEREIN.
</LEGEND>
[ARTICLE] 9
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-START>                             OCT-01-1998
<PERIOD-END>                               MAR-31-1999
<CASH>                                       8,195,313
<INT-BEARING-DEPOSITS>                         575,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    188,188
<INVESTMENTS-CARRYING>                      18,507,266
<INVESTMENTS-MARKET>                        18,187,815
<LOANS>                                     38,512,591
<ALLOWANCE>                                     52,890
<TOTAL-ASSETS>                              67,784,735
<DEPOSITS>                                  52,376,714
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            985,900
<LONG-TERM>                                  3,921,792
<PREFERRED-MANDATORY>                           10,009
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                  10,482,584
<TOTAL-LIABILITIES-AND-EQUITY>              67,784,635
<INTEREST-LOAN>                              1,439,360
<INTEREST-INVEST>                              348,761
<INTEREST-OTHER>                               336,056
<INTEREST-TOTAL>                             2,124,147
<INTEREST-DEPOSIT>                           1,055,273
<INTEREST-EXPENSE>                           1,167,051
<INTEREST-INCOME-NET>                          957,096
<LOAN-LOSSES>                                    2,296
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                837,691
<INCOME-PRETAX>                                338,333
<INCOME-PRE-EXTRAORDINARY>                     230,152
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   230,152
<EPS-PRIMARY>                                      .34
<EPS-DILUTED>                                      .33
<YIELD-ACTUAL>                                    3.01
<LOANS-NON>                                     73,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                41,072
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                               52,890
<ALLOWANCE-DOMESTIC>                            52,890
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>