<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-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                           5,356
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           6,092
<INVESTMENTS-MARKET>                             6,092
<LOANS>                                        165,865
<ALLOWANCE>                                      1,711
<TOTAL-ASSETS>                                 191,686
<DEPOSITS>                                     128,520
<SHORT-TERM>                                    16,690
<LIABILITIES-OTHER>                              1,798
<LONG-TERM>                                     30,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,656
<OTHER-SE>                                      11,022
<TOTAL-LIABILITIES-AND-EQUITY>                 191,686
<INTEREST-LOAN>                                  6,876
<INTEREST-INVEST>                                  180
<INTEREST-OTHER>                                    85
<INTEREST-TOTAL>                                 7,141
<INTEREST-DEPOSIT>                               2,542
<INTEREST-EXPENSE>                               1,283
<INTEREST-INCOME-NET>                            3,316
<LOAN-LOSSES>                                      160
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,326
<INCOME-PRETAX>                                  1,288
<INCOME-PRE-EXTRAORDINARY>                         860
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       860
<EPS-PRIMARY>                                      .49
<EPS-DILUTED>                                      .49
<YIELD-ACTUAL>                                    3.75
<LOANS-NON>                                        492
<LOANS-PAST>                                       121
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,611
<CHARGE-OFFS>                                       60
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,711
<ALLOWANCE-DOMESTIC>                             1,261
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            450
        

</TABLE>