<TABLE> <S> <C>


<ARTICLE>                                                9             
<MULTIPLIER>                                         1,000
       
<S>                                               <C>
<PERIOD-TYPE>                                        6-MOS
<FISCAL-YEAR-END>                              SEP-30-1996
<PERIOD-START>                                 OCT-01-1996
<PERIOD-END>                                   MAR-31-1997
<CASH>                                               1,106
<INT-BEARING-DEPOSITS>                               2,509
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                            270
<INVESTMENTS-CARRYING>                               4,261
<INVESTMENTS-MARKET>                                 4,242
<LOANS>                                             28,958
<ALLOWANCE>                                            187
<TOTAL-ASSETS>                                      37,937
<DEPOSITS>                                          29,309
<SHORT-TERM>                                           800
<LIABILITIES-OTHER>                                    291
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                           7,537
<TOTAL-LIABILITIES-AND-EQUITY>                      37,937
<INTEREST-LOAN>                                      1,165
<INTEREST-INVEST>                                      159
<INTEREST-OTHER>                                        69
<INTEREST-TOTAL>                                     1,393
<INTEREST-DEPOSIT>                                     691
<INTEREST-EXPENSE>                                     708
<INTEREST-INCOME-NET>                                  685
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        448
<INCOME-PRETAX>                                        268
<INCOME-PRE-EXTRAORDINARY>                             268
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           176
<EPS-PRIMARY>                                          .37
<EPS-DILUTED>                                          .36
<YIELD-ACTUAL>                                        3.86
<LOANS-NON>                                            299
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       187
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      187
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                187
        


</TABLE>