<TABLE> <S> <C>

<ARTICLE>                               9
<MULTIPLIER>                        1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                                 3-MOS                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1997             SEP-30-1997
<PERIOD-END>                               MAR-31-1997             MAR-31-1997
<CASH>                                           3,770                   3,770
<INT-BEARING-DEPOSITS>                           2,710                   2,710
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                           7,211                   7,211
<INVESTMENTS-MARKET>                             7,158                   7,158
<LOANS>                                        126,058                 126,058
<ALLOWANCE>                                        999                     999
<TOTAL-ASSETS>                                 147,094                 147,094
<DEPOSITS>                                     120,418                 120,418
<SHORT-TERM>                                     1,750                   1,750
<LIABILITIES-OTHER>                              1,719                   1,719
<LONG-TERM>                                     10,600                  10,600
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         3,052                   3,052
<OTHER-SE>                                       9,415                   9,415
<TOTAL-LIABILITIES-AND-EQUITY>                 147,094                 147,094
<INTEREST-LOAN>                                  2,895                   5,774
<INTEREST-INVEST>                                  143                     304
<INTEREST-OTHER>                                    58                     138
<INTEREST-TOTAL>                                 3,098                   6,216
<INTEREST-DEPOSIT>                               1,514                   3,069
<INTEREST-EXPENSE>                               1,688                   3,423
<INTEREST-INCOME-NET>                            1,409                   2,793
<LOAN-LOSSES>                                      295                     306
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  1,182                   2,342
<INCOME-PRETAX>                                    655                   1,134
<INCOME-PRE-EXTRAORDINARY>                           0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       411                     714
<EPS-PRIMARY>                                     0.13                    0.23
<EPS-DILUTED>                                     0.13                    0.22
<YIELD-ACTUAL>                                    9.12                    9.14
<LOANS-NON>                                      1,715                   1,715
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                   270                     270
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   958                     958
<CHARGE-OFFS>                                      273                     273
<RECOVERIES>                                        17                      17
<ALLOWANCE-CLOSE>                                  999                     999
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            999                     999
        

</TABLE>