<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<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>                                             788
<INT-BEARING-DEPOSITS>                             220
<FED-FUNDS-SOLD>                                   500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     39,089
<INVESTMENTS-CARRYING>                          13,366
<INVESTMENTS-MARKET>                            13,393
<LOANS>                                        185,327
<ALLOWANCE>                                        736
<TOTAL-ASSETS>                                 248,214
<DEPOSITS>                                     167,941
<SHORT-TERM>                                       600
<LIABILITIES-OTHER>                              1,818
<LONG-TERM>                                     52,578
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      25,277
<TOTAL-LIABILITIES-AND-EQUITY>                 248,214
<INTEREST-LOAN>                                  6,943
<INTEREST-INVEST>                                1,516
<INTEREST-OTHER>                                   121
<INTEREST-TOTAL>                                 8,580
<INTEREST-DEPOSIT>                               4,066
<INTEREST-EXPENSE>                               5,544
<INTEREST-INCOME-NET>                            3,036
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                  29
<EXPENSE-OTHER>                                  2,228
<INCOME-PRETAX>                                  1,051
<INCOME-PRE-EXTRAORDINARY>                         692
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       692
<EPS-PRIMARY>                                      .34
<EPS-DILUTED>                                      .34
<YIELD-ACTUAL>                                    2.53
<LOANS-NON>                                        427
<LOANS-PAST>                                       391
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   676
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  736
<ALLOWANCE-DOMESTIC>                               736
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            314
        

</TABLE>