<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-QSB. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> SEP-30-2000 <PERIOD-END> MAR-31-2000 <CASH> 4,927 <INT-BEARING-DEPOSITS> 2,090 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 10,137 <INVESTMENTS-MARKET> 10,609 <LOANS> 198,454 <ALLOWANCE> 1,773 <TOTAL-ASSETS> 229,137 <DEPOSITS> 155,226 <SHORT-TERM> 35,275 <LIABILITIES-OTHER> 2,009 <LONG-TERM> 18,977 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,736 <OTHER-SE> 14,208 <TOTAL-LIABILITIES-AND-EQUITY> 229,137 <INTEREST-LOAN> 3,918 <INTEREST-INVEST> 157 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 4,075 <INTEREST-DEPOSIT> 1,467 <INTEREST-EXPENSE> 877 <INTEREST-INCOME-NET> 1,731 <LOAN-LOSSES> 14 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,328 <INCOME-PRETAX> 699 <INCOME-PRE-EXTRAORDINARY> 249 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 450 <EPS-BASIC> .14 <EPS-DILUTED> .13 <YIELD-ACTUAL> 3.38 <LOANS-NON> 268 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,770 <CHARGE-OFFS> 26 <RECOVERIES> 15 <ALLOWANCE-CLOSE> 1,773 <ALLOWANCE-DOMESTIC> 1,423 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 350