WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE>                                       9
<PERIOD START>                                     01-01-1999       01-01-1999
<PERIOD-TYPE>                                           3-MOS            6-MOS
<FISCAL-YEAR-END>                                  09-30-1999       09-30-1999
<PERIOD-END>                                       03-31-1999       03-31-1999
<CASH>                                              5,128,845        5,128,845
<INT-BEARING-DEPOSITS>                                823,217          823,217
<FED-FUNDS-SOLD>                                   12,340,000       12,340,000
<TRADING-ASSETS>                                            0                0
<INVESTMENTS-HELD-FOR-SALE>                                 0                0
<INVESTMENTS-CARRYING>                             15,224,207       15,224,207
<INVESTMENTS-MARKET>                               15,164,000       15,164,000
<LOANS>                                           159,253,752      159,253,752
<ALLOWANCE>                                         1,018,831        1,018,831
<TOTAL-ASSETS>                                    201,760,853      201,760,853
<DEPOSITS>                                        176,355,222      176,355,222
<SHORT-TERM>                                                0                0
<LIABILITIES-OTHER>                               185,325,276      185,325,276
<LONG-TERM>                                         7,600,000        7,600,000
<PREFERRED-MANDATORY>                                       0                0
<PREFERRED>                                                 0                0
<COMMON>                                            4,798,972        4,798,972
<OTHER-SE>                                         11,636,605       11,636,605
<TOTAL-LIABILITIES-AND-EQUITY>                    201,760,853      201,760,853
<INTEREST-LOAN>                                     3,555,059          7111124
<INTEREST-INVEST>                                     249,310           471981
<INTEREST-OTHER>                                      136,452           306631
<INTEREST-TOTAL>                                    3,940,821          7889736
<INTEREST-DEPOSIT>                                  1,888,632          3821809
<INTEREST-EXPENSE>                                  2,005,531          4068747
<INTEREST-INCOME-NET>                               1,935,290          3820989
<LOAN-LOSSES>                                               0               56
<SECURITIES-GAINS>                                          0                0
<EXPENSE-OTHER>                                     1,722,754          3334087
<INCOME-PRETAX>                                       746,317          1654652
<INCOME-PRE-EXTRAORDINARY>                            746,317          1654652
<EXTRAORDINARY>                                             0                0
<CHANGES>                                                   0                0
<NET-INCOME>                                          484,453          1042403
<EPS-PRIMARY>                                            0.10             0.22
<EPS-DILUTED>                                            0.10             0.21
<YIELD-ACTUAL>                                           8.18             8.19
<LOANS-NON>                                         2,488,705        2,488,705
<LOANS-PAST>                                                0                0
<LOANS-TROUBLED>                                            0                0
<LOANS-PROBLEM>                                             0                0
<ALLOWANCE-OPEN>                                      968,632          968,632
<CHARGE-OFFS>                                         145,831          145,831
<RECOVERIES>                                          195,974          195,974
<ALLOWANCE-CLOSE>                                   1,018,831        1,018,831
<ALLOWANCE-DOMESTIC>                                        0                0
<ALLOWANCE-FOREIGN>                                         0                0
<ALLOWANCE-UNALLOCATED>                             1,018,831        1,018,831

</TABLE>