<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>                                                 470
<INT-BEARING-DEPOSITS>                               3,169
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                            162
<INVESTMENTS-CARRYING>                               3,105
<INVESTMENTS-MARKET>                                 3,138
<LOANS>                                             29,225
<ALLOWANCE>                                            187
<TOTAL-ASSETS>                                      37,007
<DEPOSITS>                                          31,175
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    204
<LONG-TERM>                                            300
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                           5,328
<TOTAL-LIABILITIES-AND-EQUITY>                      37,007
<INTEREST-LOAN>                                      1,290
<INTEREST-INVEST>                                      112
<INTEREST-OTHER>                                        80
<INTEREST-TOTAL>                                     1,482
<INTEREST-DEPOSIT>                                     739
<INTEREST-EXPENSE>                                     773
<INTEREST-INCOME-NET>                                  709
<LOAN-LOSSES>                                            8
<SECURITIES-GAINS>                                      75
<EXPENSE-OTHER>                                        450
<INCOME-PRETAX>                                        357
<INCOME-PRE-EXTRAORDINARY>                             239
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           239
<EPS-PRIMARY>                                          .50
<EPS-DILUTED>                                          .48
<YIELD-ACTUAL>                                        4.29
<LOANS-NON>                                              2
<LOANS-PAST>                                             7
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       187
<CHARGE-OFFS>                                            9
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      187
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                187
        


</TABLE>