<ARTICLE> 9
<LEGEND>    
The schedule contains summary financial information extracted from the Annual
Report on Form 10-Q for the Quarter ended March 31, 1997 and is qualified in
its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>  1
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                         323,407
<INT-BEARING-DEPOSITS>                       2,537,561
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,219,549
<INVESTMENTS-CARRYING>                      46,125,206
<INVESTMENTS-MARKET>                        46,029,068
<LOANS>                                     65,065,974
<ALLOWANCE>                                    289,033
<TOTAL-ASSETS>                             123,571,905
<DEPOSITS>                                  85,887,009
<SHORT-TERM>                                14,000,000
<LIABILITIES-OTHER>                          1,447,034
<LONG-TERM>                                 11,000,000
<COMMON>                                     2,732,933
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                   8,504,929
<TOTAL-LIABILITIES-AND-EQUITY>             123,571,905
<INTEREST-LOAN>                              2,587,263
<INTEREST-INVEST>                            1,706,883
<INTEREST-OTHER>                                51,454
<INTEREST-TOTAL>                             4,345,600
<INTEREST-DEPOSIT>                           1,838,124
<INTEREST-EXPENSE>                             735,631
<INTEREST-INCOME-NET>                        2,573,755
<LOAN-LOSSES>                                   33,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,285,400
<INCOME-PRETAX>                              1,048,121
<INCOME-PRE-EXTRAORDINARY>                   1,048,121
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   696,121
<EPS-PRIMARY>                                     0.41
<EPS-DILUTED>                                     0.41
<YIELD-ACTUAL>                                    7.49
<LOANS-NON>                                    154,674
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                147,942
<ALLOWANCE-OPEN>                               280,919
<CHARGE-OFFS>                                   16,160
<RECOVERIES>                                       274
<ALLOWANCE-CLOSE>                              289,033
<ALLOWANCE-DOMESTIC>                           289,033
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0