<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-30-1999
<PERIOD-START>                             OCT-01-1998
<PERIOD-END>                               MAR-31-1999
<CASH>                                           6,335
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                11,825
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          16,310
<INVESTMENTS-MARKET>                            16,251
<LOANS>                                        166,498
<ALLOWANCE>                                      1,798
<TOTAL-ASSETS>                                 214,506
<DEPOSITS>                                     148,850
<SHORT-TERM>                                    17,000
<LIABILITIES-OTHER>                              1,569
<LONG-TERM>                                     29,990
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,656
<OTHER-SE>                                      13,441
<TOTAL-LIABILITIES-AND-EQUITY>                 214,506
<INTEREST-LOAN>                                  3,419
<INTEREST-INVEST>                                  382
<INTEREST-OTHER>                                   178
<INTEREST-TOTAL>                                 3,979
<INTEREST-DEPOSIT>                               1,535
<INTEREST-EXPENSE>                                 728
<INTEREST-INCOME-NET>                            1,716
<LOAN-LOSSES>                                       25
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,400
<INCOME-PRETAX>                                    593
<INCOME-PRE-EXTRAORDINARY>                         405
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       405
<EPS-PRIMARY>                                      .13
<EPS-DILUTED>                                      .12
<YIELD-ACTUAL>                                    3.49
<LOANS-NON>                                        408
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,904
<CHARGE-OFFS>                                      106
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,798
<ALLOWANCE-DOMESTIC>                             1,448
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            350
        

</TABLE>