<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1998             SEP-30-1998
<PERIOD-END>                               MAR-31-1998             MAR-31-1998
<CASH>                                           4,460                    4460
<INT-BEARING-DEPOSITS>                             322                     322
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                           10399                   10399
<INVESTMENTS-MARKET>                             10545                   10545
<LOANS>                                         152284                  152284
<ALLOWANCE>                                       1112                    1112
<TOTAL-ASSETS>                                  175515                  175515
<DEPOSITS>                                      145326                  145326
<SHORT-TERM>                                     11140                   11140
<LIABILITIES-OTHER>                               2342                    2342
<LONG-TERM>                                       2500                    2500
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                          3199                    3199
<OTHER-SE>                                       11010                   11010
<TOTAL-LIABILITIES-AND-EQUITY>                   14209                   14209
<INTEREST-LOAN>                                   3475                    6832
<INTEREST-INVEST>                                  174                     357
<INTEREST-OTHER>                                     8                      20
<INTEREST-TOTAL>                                  3657                    7209
<INTEREST-DEPOSIT>                                1666                    3326
<INTEREST-EXPENSE>                                1893                    3778
<INTEREST-INCOME-NET>                             1764                    3432
<LOAN-LOSSES>                                        2                       3
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                   1434                    2788
<INCOME-PRETAX>                                    758                    1505
<INCOME-PRE-EXTRAORDINARY>                         758                    1505
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       477                     942
<EPS-PRIMARY>                                     0.14                    0.41
<EPS-DILUTED>                                     0.14                    0.41
<YIELD-ACTUAL>                                    8.97                    8.84
<LOANS-NON>                                       2638                    2638
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                  1026                    1012
<CHARGE-OFFS>                                       20                      37
<RECOVERIES>                                       103                     133
<ALLOWANCE-CLOSE>                                 1112                    1112
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                           1112                    1112
        

</TABLE>