<TABLE> <S> <C>

<ARTICLE>                                                                9
<MULTIPLIER>                                                         1,000
       
<S>                                                                    <C>
<PERIOD-TYPE>                                                        6-MOS
<FISCAL-YEAR-END>                                              SEP-30-1998
<PERIOD-END>                                                   MAR-31-1998
<CASH>                                                               2,623
<INT-BEARING-DEPOSITS>                                                   0
<FED-FUNDS-SOLD>                                                         0
<TRADING-ASSETS>                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                        157,571
<INVESTMENTS-CARRYING>                                               3,062
<INVESTMENTS-MARKET>                                                 3,109
<LOANS>                                                            127,550
<ALLOWANCE>                                                          1,906
<TOTAL-ASSETS>                                                     295,932
<DEPOSITS>                                                         203,815
<SHORT-TERM>                                                        12,920
<LIABILITIES-OTHER>                                                  4,880
<LONG-TERM>                                                          5,000
<PREFERRED-MANDATORY>                                                    0
<PREFERRED>                                                              0
<COMMON>                                                                57
<OTHER-SE>                                                          69,260
<TOTAL-LIABILITIES-AND-EQUITY>                                     295,932
<INTEREST-LOAN>                                                      5,085
<INTEREST-INVEST>                                                    5,325
<INTEREST-OTHER>                                                        69
<INTEREST-TOTAL>                                                    10,479
<INTEREST-DEPOSIT>                                                   4,429
<INTEREST-EXPENSE>                                                   4,815
<INTEREST-INCOME-NET>                                                5,664
<LOAN-LOSSES>                                                           99
<SECURITIES-GAINS>                                                      52
<EXPENSE-OTHER>                                                      2,742
<INCOME-PRETAX>                                                      3,082
<INCOME-PRE-EXTRAORDINARY>                                           3,082
<EXTRAORDINARY>                                                          0
<CHANGES>                                                                0
<NET-INCOME>                                                         1,930
<EPS-PRIMARY>                                                          .46
<EPS-DILUTED>                                                          .45
<YIELD-ACTUAL>                                                        4.07
<LOANS-NON>                                                            642
<LOANS-PAST>                                                             0
<LOANS-TROUBLED>                                                         0
<LOANS-PROBLEM>                                                      1,998
<ALLOWANCE-OPEN>                                                     1,889
<CHARGE-OFFS>                                                           89
<RECOVERIES>                                                             7
<ALLOWANCE-CLOSE>                                                    1,906
<ALLOWANCE-DOMESTIC>                                                 1,491
<ALLOWANCE-FOREIGN>                                                      0
<ALLOWANCE-UNALLOCATED>                                                415
        

</TABLE>