<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1999             SEP-30-1998
<PERIOD-START>                             OCT-01-1998             OCT-01-1997
<PERIOD-END>                               MAR-31-1999             MAR-31-1998
<CASH>                                           2,025                   2,494
<INT-BEARING-DEPOSITS>                          21,342                  31,929
<FED-FUNDS-SOLD>                                 2,250                   5,430
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     25,957                  44,177
<INVESTMENTS-CARRYING>                          12,333                  18,126
<INVESTMENTS-MARKET>                            11,207                  17,786
<LOANS>                                        112,108                 110,714
<ALLOWANCE>                                        429                     430
<TOTAL-ASSETS>                                 180,116                 216,977
<DEPOSITS>                                     147,737                 146,882
<SHORT-TERM>                                         0                  33,000
<LIABILITIES-OTHER>                              2,981                   2,655
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                       0
<OTHER-SE>                                      29,398                  34,440
<TOTAL-LIABILITIES-AND-EQUITY>                 180,116                 216,977
<INTEREST-LOAN>                                  4,518                   4,772
<INTEREST-INVEST>                                1,395                   2,964
<INTEREST-OTHER>                                   483                     593
<INTEREST-TOTAL>                                 6,396                   8,336
<INTEREST-DEPOSIT>                               3,541                   4,746
<INTEREST-EXPENSE>                               3,541                   4,746
<INTEREST-INCOME-NET>                            2,855                   3,540
<LOAN-LOSSES>                                        0                       0
<SECURITIES-GAINS>                                   2                       0
<EXPENSE-OTHER>                                  2,581                   3,236
<INCOME-PRETAX>                                    335                     438
<INCOME-PRE-EXTRAORDINARY>                         335                     438
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       226                     259
<EPS-PRIMARY>                                      .06                    0.06
<EPS-DILUTED>                                      .06                    0.06
<YIELD-ACTUAL>                                    6.83                    7.22
<LOANS-NON>                                        249                     510
<LOANS-PAST>                                       249                     510
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   429                     430
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                  429                     430
<ALLOWANCE-DOMESTIC>                               279                     233
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            150                     197
        

</TABLE>