<TABLE> <S> <C>


<ARTICLE>                                                9               
<MULTIPLIER>                                         1,000
       
<S>                                                <C>
<PERIOD-TYPE>                                        6-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-START>                                 OCT-01-1997
<PERIOD-END>                                   MAR-31-1998
<CASH>                                                 716
<INT-BEARING-DEPOSITS>                                 188
<FED-FUNDS-SOLD>                                     3,588
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          1,384
<INVESTMENTS-CARRYING>                              20,462
<INVESTMENTS-MARKET>                                20,601
<LOANS>                                             30,261
<ALLOWANCE>                                             52
<TOTAL-ASSETS>                                      57,756
<DEPOSITS>                                          36,387
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  1,000
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                          20,369
<TOTAL-LIABILITIES-AND-EQUITY>                      57,756
<INTEREST-LOAN>                                      1,146
<INTEREST-INVEST>                                      577
<INTEREST-OTHER>                                       258
<INTEREST-TOTAL>                                     1,981
<INTEREST-DEPOSIT>                                     844
<INTEREST-EXPENSE>                                     844
<INTEREST-INCOME-NET>                                1,137
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        696
<INCOME-PRETAX>                                        445
<INCOME-PRE-EXTRAORDINARY>                             294
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           294
<EPS-PRIMARY>                                          .24
<EPS-DILUTED>                                          .24
<YIELD-ACTUAL>                                        4.09
<LOANS-NON>                                              0
<LOANS-PAST>                                           192
<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>