<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                                 759
<INT-BEARING-DEPOSITS>                               3,729
<FED-FUNDS-SOLD>                                     3,619
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         20,900
<INVESTMENTS-CARRYING>                              33,480
<INVESTMENTS-MARKET>                                33,035
<LOANS>                                             79,588
<ALLOWANCE>                                            320
<TOTAL-ASSETS>                                     148,285
<DEPOSITS>                                         111,026
<SHORT-TERM>                                         6,000
<LIABILITIES-OTHER>                                  1,500
<LONG-TERM>                                         14,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               135
<OTHER-SE>                                          15,623
<TOTAL-LIABILITIES-AND-EQUITY>                     148,285
<INTEREST-LOAN>                                      2,955
<INTEREST-INVEST>                                    1,552
<INTEREST-OTHER>                                       332
<INTEREST-TOTAL>                                     4,839
<INTEREST-DEPOSIT>                                   2,429
<INTEREST-EXPENSE>                                   2,997
<INTEREST-INCOME-NET>                                1,842
<LOAN-LOSSES>                                           30
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,423
<INCOME-PRETAX>                                        536
<INCOME-PRE-EXTRAORDINARY>                             536
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           311
<EPS-PRIMARY>                                          .25
<EPS-DILUTED>                                          .24
<YIELD-ACTUAL>                                        2.21
<LOANS-NON>                                             66
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       301
<CHARGE-OFFS>                                           11
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      320
<ALLOWANCE-DOMESTIC>                                   320
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>