<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>                                                                    497
<INT-BEARING-DEPOSITS>                                                    765
<FED-FUNDS-SOLD>                                                        4,121
<TRADING-ASSETS>                                                            0
<INVESTMENTS-HELD-FOR-SALE>                                             1,230
<INVESTMENTS-CARRYING>                                                 13,831
<INVESTMENTS-MARKET>                                                   13,860
<LOANS>                                                                33,364
<ALLOWANCE>                                                                52
<TOTAL-ASSETS>                                                         55,252
<DEPOSITS>                                                             39,354
<SHORT-TERM>                                                                0
<LIABILITIES-OTHER>                                                     1,083
<LONG-TERM>                                                                 0
<PREFERRED-MANDATORY>                                                       0
<PREFERRED>                                                                 0
<COMMON>                                                                    0
<OTHER-SE>                                                             14,815
<TOTAL-LIABILITIES-AND-EQUITY>                                         55,252
<INTEREST-LOAN>                                                         1,307
<INTEREST-INVEST>                                                         336
<INTEREST-OTHER>                                                          211
<INTEREST-TOTAL>                                                        1,854
<INTEREST-DEPOSIT>                                                        903
<INTEREST-EXPENSE>                                                        925
<INTEREST-INCOME-NET>                                                     929
<LOAN-LOSSES>                                                               0
<SECURITIES-GAINS>                                                        463
<EXPENSE-OTHER>                                                           681
<INCOME-PRETAX>                                                           717
<INCOME-PRE-EXTRAORDINARY>                                                473
<EXTRAORDINARY>                                                             0
<CHANGES>                                                                   0
<NET-INCOME>                                                              473
<EPS-PRIMARY>                                                             .39
<EPS-DILUTED>                                                             .39
<YIELD-ACTUAL>                                                           3.48
<LOANS-NON>                                                                 0
<LOANS-PAST>                                                              144
<LOANS-TROUBLED>                                                            0
<LOANS-PROBLEM>                                                             0
<ALLOWANCE-OPEN>                                                           52
<CHARGE-OFFS>                                                               0
<RECOVERIES>                                                                0
<ALLOWANCE-CLOSE>                                                          52
<ALLOWANCE-DOMESTIC>                                                        2
<ALLOWANCE-FOREIGN>                                                         0
<ALLOWANCE-UNALLOCATED>                                                    50
        


</TABLE>