<ARTICLE> 9
<LEGEND>    
The schedule contains summary financial information extracted from the Annual
Report on Form 10QSB for the Quarter ended March 31, 1998 and is qualified in
its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>  1
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                         401,314
<INT-BEARING-DEPOSITS>                       7,456,884
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,302,843
<INVESTMENTS-CARRYING>                      56,386,198
<INVESTMENTS-MARKET>                        56,739,757
<LOANS>                                     71,876,011
<ALLOWANCE>                                    297,811
<TOTAL-ASSETS>                             147,046,776
<DEPOSITS>                                  96,537,646
<SHORT-TERM>                                11,000,000
<LIABILITIES-OTHER>                          1,499,261
<LONG-TERM>                                 25,000,000
<COMMON>                                     3,069,003
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                   9,937,866
<TOTAL-LIABILITIES-AND-EQUITY>             147,046,776
<INTEREST-LOAN>                              2,875,185
<INTEREST-INVEST>                            1,890,763
<INTEREST-OTHER>                               151,116
<INTEREST-TOTAL>                             4,917,064
<INTEREST-DEPOSIT>                           2,060,059
<INTEREST-EXPENSE>                             977,448
<INTEREST-INCOME-NET>                        1,879,557
<LOAN-LOSSES>                                   30,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,474,411
<INCOME-PRETAX>                                962,980
<INCOME-PRE-EXTRAORDINARY>                     962,980
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   680,180
<EPS-PRIMARY>                                     0.40
<EPS-DILUTED>                                     0.40
<YIELD-ACTUAL>                                    7.49
<LOANS-NON>                                     12,203
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                109,717
<ALLOWANCE-OPEN>                               294,522
<CHARGE-OFFS>                                   12,970
<RECOVERIES>                                     1,259
<ALLOWANCE-CLOSE>                              297,811
<ALLOWANCE-DOMESTIC>                           297,811
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0