<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>                                              12,283
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         12,829
<INVESTMENTS-CARRYING>                               4,416
<INVESTMENTS-MARKET>                                17,256
<LOANS>                                            121,657
<ALLOWANCE>                                            733
<TOTAL-ASSETS>                                     153,149
<DEPOSITS>                                         106,027
<SHORT-TERM>                                         3,000
<LIABILITIES-OTHER>                                    771
<LONG-TERM>                                         23,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               115
<OTHER-SE>                                          20,236
<TOTAL-LIABILITIES-AND-EQUITY>                     153,149
<INTEREST-LOAN>                                      4,827
<INTEREST-INVEST>                                      566
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     5,393
<INTEREST-DEPOSIT>                                   2,301
<INTEREST-EXPENSE>                                   2,750
<INTEREST-INCOME-NET>                                2,643
<LOAN-LOSSES>                                           60
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,625
<INCOME-PRETAX>                                      1,369
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           844
<EPS-PRIMARY>                                          .77
<EPS-DILUTED>                                          .73
<YIELD-ACTUAL>                                        3.90
<LOANS-NON>                                            653
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       678
<CHARGE-OFFS>                                            7
<RECOVERIES>                                             2
<ALLOWANCE-CLOSE>                                      733
<ALLOWANCE-DOMESTIC>                                   733
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                733
        


</TABLE>