<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-30-1998
<PERIOD-START>                             OCT-01-1997
<PERIOD-END>                               MAR-31-1998
<CASH>                                           7,875
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,725
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           8,612
<INVESTMENTS-MARKET>                             8,624
<LOANS>                                        179,991
<ALLOWANCE>                                      2,148
<TOTAL-ASSETS>                                 211,644
<DEPOSITS>                                     133,909
<SHORT-TERM>                                     9,365
<LIABILITIES-OTHER>                              1,247
<LONG-TERM>                                     51,000
<PREFERRED-MANDATORY>                            3,656
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      12,466
<TOTAL-LIABILITIES-AND-EQUITY>                 211,644
<INTEREST-LOAN>                                  7,624
<INTEREST-INVEST>                                  265
<INTEREST-OTHER>                                    57
<INTEREST-TOTAL>                                 7,946
<INTEREST-DEPOSIT>                               2,650
<INTEREST-EXPENSE>                               1,920
<INTEREST-INCOME-NET>                            3,375
<LOAN-LOSSES>                                      408
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,457
<INCOME-PRETAX>                                  1,085
<INCOME-PRE-EXTRAORDINARY>                         717
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       717
<EPS-PRIMARY>                                      .46
<EPS-DILUTED>                                      .41
<YIELD-ACTUAL>                                    3.58
<LOANS-NON>                                        476
<LOANS-PAST>                                         2
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,002
<CHARGE-OFFS>                                       33
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                2,148
<ALLOWANCE-DOMESTIC>                             1,698
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            450
        

</TABLE>