<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM
THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                   1,000
                                 
       
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   MAR-31-1998
<CASH>                                           1,502
<INT-BEARING-DEPOSITS>                           5,443
<FED-FUNDS-SOLD>                                 1,320
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,876
<INVESTMENTS-CARRYING>                          15,749
<INVESTMENTS-MARKET>                            15,650
<LOANS>                                         77,326
<ALLOWANCE>                                        304
<TOTAL-ASSETS>                                 118,467
<DEPOSITS>                                      83,890
<SHORT-TERM>                                     7,000
<LIABILITIES-OTHER>                              1,620
<LONG-TERM>                                      6,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           139
<OTHER-SE>                                      19,818
<TOTAL-LIABILITIES-AND-EQUITY>                 118,467
<INTEREST-LOAN>                                  3,032
<INTEREST-INVEST>                                  408
<INTEREST-OTHER>                                   304
<INTEREST-TOTAL>                                 3,744
<INTEREST-DEPOSIT>                               1,793
<INTEREST-EXPENSE>                               1,940
<INTEREST-INCOME-NET>                            1,804
<LOAN-LOSSES>                                      130
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,280
<INCOME-PRETAX>                                    459
<INCOME-PRE-EXTRAORDINARY>                         459
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       273
<EPS-PRIMARY>                                      .22
<EPS-DILUTED>                                      .21
<YIELD-ACTUAL>                                    2.73
<LOANS-NON>                                      1,257
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   250
<CHARGE-OFFS>                                       76
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  304
<ALLOWANCE-DOMESTIC>                               304
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>