<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS 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-30-2000
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               MAR-31-2000
<CASH>                                           1,163
<INT-BEARING-DEPOSITS>                             954
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     38,246
<INVESTMENTS-CARRYING>                          11,668
<INVESTMENTS-MARKET>                            11,552
<LOANS>                                        200,553
<ALLOWANCE>                                        772
<TOTAL-ASSETS>                                 258,976
<DEPOSITS>                                     164,354
<SHORT-TERM>                                     3,010
<LIABILITIES-OTHER>                              1,269
<LONG-TERM>                                     65,356
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      24,988
<TOTAL-LIABILITIES-AND-EQUITY>                 258,976
<INTEREST-LOAN>                                  7,526
<INTEREST-INVEST>                                1,494
<INTEREST-OTHER>                                   107
<INTEREST-TOTAL>                                 9,127
<INTEREST-DEPOSIT>                               3,929
<INTEREST-EXPENSE>                               5,809
<INTEREST-INCOME-NET>                            3,318
<LOAN-LOSSES>                                       45
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  2,249
<INCOME-PRETAX>                                  1,294
<INCOME-PRE-EXTRAORDINARY>                         849
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       849
<EPS-BASIC>                                        .43
<EPS-DILUTED>                                      .43
<YIELD-ACTUAL>                                    2.64
<LOANS-NON>                                        265
<LOANS-PAST>                                        10
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   765
<CHARGE-OFFS>                                       45
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                  772
<ALLOWANCE-DOMESTIC>                               509
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            263


</TABLE>