<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-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                           1,111
<INT-BEARING-DEPOSITS>                           1,559
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     39,742
<INVESTMENTS-CARRYING>                          15,816
<INVESTMENTS-MARKET>                            15,595
<LOANS>                                        114,174
<ALLOWANCE>                                        528
<TOTAL-ASSETS>                                 178,757
<DEPOSITS>                                     135,840
<SHORT-TERM>                                     1,000
<LIABILITIES-OTHER>                                891
<LONG-TERM>                                     14,677
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      26,349
<TOTAL-LIABILITIES-AND-EQUITY>                 178,757
<INTEREST-LOAN>                                  4,641
<INTEREST-INVEST>                                1,787
<INTEREST-OTHER>                                    97
<INTEREST-TOTAL>                                 6,524
<INTEREST-DEPOSIT>                               3,264
<INTEREST-EXPENSE>                               3,754
<INTEREST-INCOME-NET>                            2,770
<LOAN-LOSSES>                                       41
<SECURITIES-GAINS>                                  45
<EXPENSE-OTHER>                                  1,981
<INCOME-PRETAX>                                  1,025
<INCOME-PRE-EXTRAORDINARY>                         677
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       677
<EPS-PRIMARY>                                      .31
<EPS-DILUTED>                                      .31
<YIELD-ACTUAL>                                    3.21
<LOANS-NON>                                        306
<LOANS-PAST>                                       269
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   487
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  528
<ALLOWANCE-DOMESTIC>                               313
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            215
        

</TABLE>