<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY  REPORT ON FORM 10-Q 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-30-1998
<PERIOD-END>                                   MAR-31-1998
<CASH>                                                 362
<INT-BEARING-DEPOSITS>                              31,154
<FED-FUNDS-SOLD>                                     1,733
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                              11,689
<INVESTMENTS-MARKET>                                11,707
<LOANS>                                            132,046
<ALLOWANCE>                                            255
<TOTAL-ASSETS>                                     177,901
<DEPOSITS>                                         112,111
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  2,125
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                          41,923
<TOTAL-LIABILITIES-AND-EQUITY>                     177,901
<INTEREST-LOAN>                                      5,228
<INTEREST-INVEST>                                    1,408
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     6,630
<INTEREST-DEPOSIT>                                   2,854
<INTEREST-EXPENSE>                                   2,859
<INTEREST-INCOME-NET>                                3,782
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,645
<INCOME-PRETAX>                                      2,210
<INCOME-PRE-EXTRAORDINARY>                           1,381
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,381
<EPS-PRIMARY>                                          .34
<EPS-DILUTED>                                          .33
<YIELD-ACTUAL>                                        4.31
<LOANS-NON>                                            323
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       255
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      255
<ALLOWANCE-DOMESTIC>                                   255
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>