<TABLE> <S> <C>

<ARTICLE>             9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-QSB.
</LEGEND>
<MULTIPLIER>         1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                           4,927
<INT-BEARING-DEPOSITS>                           2,090
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          10,137
<INVESTMENTS-MARKET>                            10,609
<LOANS>                                        198,454
<ALLOWANCE>                                      1,773
<TOTAL-ASSETS>                                 229,137
<DEPOSITS>                                     155,226
<SHORT-TERM>                                    35,275
<LIABILITIES-OTHER>                              2,009
<LONG-TERM>                                     18,977
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,736
<OTHER-SE>                                      14,208
<TOTAL-LIABILITIES-AND-EQUITY>                 229,137
<INTEREST-LOAN>                                  3,918
<INTEREST-INVEST>                                  157
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 4,075
<INTEREST-DEPOSIT>                               1,467
<INTEREST-EXPENSE>                                 877
<INTEREST-INCOME-NET>                            1,731
<LOAN-LOSSES>                                       14
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,328
<INCOME-PRETAX>                                    699
<INCOME-PRE-EXTRAORDINARY>                         249
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       450
<EPS-BASIC>                                        .14
<EPS-DILUTED>                                      .13
<YIELD-ACTUAL>                                    3.38
<LOANS-NON>                                        268
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,770
<CHARGE-OFFS>                                       26
<RECOVERIES>                                        15
<ALLOWANCE-CLOSE>                                1,773
<ALLOWANCE-DOMESTIC>                             1,423
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            350


</TABLE>