<ARTICLE> 9
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                             879
<INT-BEARING-DEPOSITS>                             467
<FED-FUNDS-SOLD>                                12,020
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                        795
<INVESTMENTS-CARRYING>                          15,812<F1>
<INVESTMENTS-MARKET>                            15,839
<LOANS>                                         25,409
<ALLOWANCE>                                         52
<TOTAL-ASSETS>                                  56,343
<DEPOSITS>                                      36,114
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                736
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      19,493<F2>
<TOTAL-LIABILITIES-AND-EQUITY>                  56,343
<INTEREST-LOAN>                                    961
<INTEREST-INVEST>                                  316<F3>
<INTEREST-OTHER>                                   324
<INTEREST-TOTAL>                                  1601
<INTEREST-DEPOSIT>                                 854
<INTEREST-EXPENSE>                                 854
<INTEREST-INCOME-NET>                              747
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    506
<INCOME-PRETAX>                                    244
<INCOME-PRE-EXTRAORDINARY>                         161
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       161
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    3.29
<LOANS-NON>                                          0
<LOANS-PAST>                                       500
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                    52
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                   52
<ALLOWANCE-DOMESTIC>                                 2
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             50
<FN>
<F1>Includes certificates of deposit.
<F2>Includes net unrealized gain on securities, additional paid-in capital
and shares acquired by ESOP.
<F3>Includes interest from mortgage-backed securities.
</FN>