<TABLE> <S> <C>


<ARTICLE>                                                                9
<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>                                                                 715
<INT-BEARING-DEPOSITS>                                               2,151
<FED-FUNDS-SOLD>                                                         0
<TRADING-ASSETS>                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                            108
<INVESTMENTS-CARRYING>                                               2,222
<INVESTMENTS-MARKET>                                                 2,235
<LOANS>                                                             34,306
<ALLOWANCE>                                                            219
<TOTAL-ASSETS>                                                      40,522
<DEPOSITS>                                                          34,968
<SHORT-TERM>                                                           300
<LIABILITIES-OTHER>                                                    251
<LONG-TERM>                                                              0
<PREFERRED-MANDATORY>                                                    0
<PREFERRED>                                                              0
<COMMON>                                                                 0
<OTHER-SE>                                                           5,003
<TOTAL-LIABILITIES-AND-EQUITY>                                      40,522
<INTEREST-LOAN>                                                      1,439
<INTEREST-INVEST>                                                       77
<INTEREST-OTHER>                                                        64
<INTEREST-TOTAL>                                                     1,580
<INTEREST-DEPOSIT>                                                     757
<INTEREST-EXPENSE>                                                     799
<INTEREST-INCOME-NET>                                                  781
<LOAN-LOSSES>                                                           18
<SECURITIES-GAINS>                                                       0
<EXPENSE-OTHER>                                                        578
<INCOME-PRETAX>                                                        225
<INCOME-PRE-EXTRAORDINARY>                                             144
<EXTRAORDINARY>                                                          0
<CHANGES>                                                                0
<NET-INCOME>                                                           144
<EPS-PRIMARY>                                                          .32
<EPS-DILUTED>                                                          .31
<YIELD-ACTUAL>                                                        4.07
<LOANS-NON>                                                              0
<LOANS-PAST>                                                             0
<LOANS-TROUBLED>                                                         0
<LOANS-PROBLEM>                                                          0
<ALLOWANCE-OPEN>                                                       201
<CHARGE-OFFS>                                                            0
<RECOVERIES>                                                             0
<ALLOWANCE-CLOSE>                                                      219
<ALLOWANCE-DOMESTIC>                                                     0
<ALLOWANCE-FOREIGN>                                                      0
<ALLOWANCE-UNALLOCATED>                                                219
        


</TABLE>