<TABLE> <S> <C>

<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-END>                                   MAR-31-1997
<CASH>                                               2,667
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          7,812
<INVESTMENTS-CARRYING>                               4,857
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            113,115
<ALLOWANCE>                                            637  
<TOTAL-ASSETS>                                     131,506
<DEPOSITS>                                          97,842
<SHORT-TERM>                                        11,000
<LIABILITIES-OTHER>                                    829
<LONG-TERM>                                          3,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               114
<OTHER-SE>                                          18,721
<TOTAL-LIABILITIES-AND-EQUITY>                     131,506
<INTEREST-LOAN>                                      4,526
<INTEREST-INVEST>                                      475
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     5,001
<INTEREST-DEPOSIT>                                   2,083
<INTEREST-EXPENSE>                                   2,520
<INTEREST-INCOME-NET>                                2,481
<LOAN-LOSSES>                                           50
<SECURITIES-GAINS>                                   2,431
<EXPENSE-OTHER>                                      1,489
<INCOME-PRETAX>                                      1,242
<INCOME-PRE-EXTRAORDINARY>                           1,242
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           771
<EPS-PRIMARY>                                          .71
<EPS-DILUTED>                                          .71
<YIELD-ACTUAL>                                           0
<LOANS-NON>                                            832
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       650
<CHARGE-OFFS>                                           63
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      637
<ALLOWANCE-DOMESTIC>                                   637
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                637
                                      


</TABLE>