<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                         1
       
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-END>                                   MAR-31-1997
<CASH>                                             311,138
<INT-BEARING-DEPOSITS>                          33,998,331
<FED-FUNDS-SOLD>                                 1,388,586
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                          12,000,000
<INVESTMENTS-MARKET>                            11,929,691
<LOANS>                                        124,524,175
<ALLOWANCE>                                        234,763
<TOTAL-ASSETS>                                 174,365,349
<DEPOSITS>                                     109,122,947
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                              2,337,950
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                        41,847,956
<OTHER-SE>                                      21,056,496
<TOTAL-LIABILITIES-AND-EQUITY>                 174,365,349
<INTEREST-LOAN>                                  5,048,291
<INTEREST-INVEST>                                  382,098
<INTEREST-OTHER>                                 1,030,265
<INTEREST-TOTAL>                                 6,460,654
<INTEREST-DEPOSIT>                               2,680,669
<INTEREST-EXPENSE>                               2,680,689
<INTEREST-INCOME-NET>                            3,779,985
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  1,697,143
<INCOME-PRETAX>                                  2,142,843
<INCOME-PRE-EXTRAORDINARY>                       2,142,843
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     1,325,878
<EPS-PRIMARY>                                         0.33
<EPS-DILUTED>                                            0
<YIELD-ACTUAL>                                        7.44
<LOANS-NON>                                        240,336
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                   234,763
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                  234,763
<ALLOWANCE-DOMESTIC>                               234,763
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>