<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  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-30-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                             895
<INT-BEARING-DEPOSITS>                          29,111
<FED-FUNDS-SOLD>                                 2,831
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           4,148
<INVESTMENTS-MARKET>                             4,157
<LOANS>                                        128,293
<ALLOWANCE>                                        255
<TOTAL-ASSETS>                                 166,433
<DEPOSITS>                                     106,191
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,011
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      58,231
<TOTAL-LIABILITIES-AND-EQUITY>                 166,433
<INTEREST-LOAN>                                  5,055
<INTEREST-INVEST>                                1,000
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 6,055
<INTEREST-DEPOSIT>                               2,572
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                            3,483
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,467
<INCOME-PRETAX>                                  2,091
<INCOME-PRE-EXTRAORDINARY>                       2,091
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,313
<EPS-PRIMARY>                                      .34
<EPS-DILUTED>                                      .34
<YIELD-ACTUAL>                                    4.24
<LOANS-NON>                                        242
<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>