<TABLE> <S> <C>

<ARTICLE>  9
        
<S>                                                   <C>
<PERIOD-TYPE>                                         6-MOS
<FISCAL-YEAR-END>                                                 SEP-30-1997
<PERIOD-END>                                                      MAR-31-1997
<CASH>                                                                  2,471
<INT-BEARING-DEPOSITS>                                                      0
<FED-FUNDS-SOLD>                                                            0
<TRADING-ASSETS>                                                            0
<INVESTMENTS-HELD-FOR-SALE>                                           132,033
<INVESTMENTS-CARRYING>                                                 10,056
<INVESTMENTS-MARKET>                                                   10,043
<LOANS>                                                               124,858
<ALLOWANCE>                                                             1,837
<TOTAL-ASSETS>                                                        273,940
<DEPOSITS>                                                            197,155
<SHORT-TERM>                                                                0
<LIABILITIES-OTHER>                                                     2,873
<LONG-TERM>                                                                 0
<PREFERRED-MANDATORY>                                                       0
<PREFERRED>                                                                 0
<COMMON>                                                                   57
<OTHER-SE>                                                             73,855
<TOTAL-LIABILITIES-AND-EQUITY>                                        273,940
<INTEREST-LOAN>                                                         5,046
<INTEREST-INVEST>                                                       4,356
<INTEREST-OTHER>                                                          538
<INTEREST-TOTAL>                                                        9,940
<INTEREST-DEPOSIT>                                                      4,236
<INTEREST-EXPENSE>                                                      4,238
<INTEREST-INCOME-NET>                                                   5,702
<LOAN-LOSSES>                                                             150
<SECURITIES-GAINS>                                                          5
<EXPENSE-OTHER>                                                         2,512
<INCOME-PRETAX>                                                         3,338
<INCOME-PRE-EXTRAORDINARY>                                              3,338
<EXTRAORDINARY>                                                             0
<CHANGES>                                                                   0
<NET-INCOME>                                                            2,009
<EPS-PRIMARY>                                                             .40
<EPS-DILUTED>                                                             .40
<YIELD-ACTUAL>                                                           4.20
<LOANS-NON>                                                               945
<LOANS-PAST>                                                                0
<LOANS-TROUBLED>                                                            0
<LOANS-PROBLEM>                                                         2,005
<ALLOWANCE-OPEN>                                                        1,833
<CHARGE-OFFS>                                                             153
<RECOVERIES>                                                                7
<ALLOWANCE-CLOSE>                                                       1,837
<ALLOWANCE-DOMESTIC>                                                    1,016
<ALLOWANCE-FOREIGN>                                                         0
<ALLOWANCE-UNALLOCATED>                                                   821
        

</TABLE>