<ARTICLE>             9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated condensed statement of financial condition and the consolidated
statements of income and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                         695,167
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,011,594
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 20,884,115
<INVESTMENTS-CARRYING>                       7,226,208
<INVESTMENTS-MARKET>                         7,254,995
<LOANS>                                     68,922,033
<ALLOWANCE>                                    511,437
<TOTAL-ASSETS>                             105,141,259
<DEPOSITS>                                  78,073,134
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,512,072
<LONG-TERM>                                  2,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,547
<OTHER-SE>                                  23,541,506
<TOTAL-LIABILITIES-AND-EQUITY>             105,141,259
<INTEREST-LOAN>                              1,241,583
<INTEREST-INVEST>                              438,942
<INTEREST-OTHER>                                60,030
<INTEREST-TOTAL>                             1,740,555
<INTEREST-DEPOSIT>                             722,874
<INTEREST-EXPENSE>                             759,202
<INTEREST-INCOME-NET>                          981,353
<LOAN-LOSSES>                                   10,000
<SECURITIES-GAINS>                             120,394
<EXPENSE-OTHER>                                734,256
<INCOME-PRETAX>                                395,560
<INCOME-PRE-EXTRAORDINARY>                     395,560
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   253,160
<EPS-PRIMARY>                                      .18
<EPS-DILUTED>                                      .18
<YIELD-ACTUAL>                                    6.89
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               501,437
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              511,437
<ALLOWANCE-DOMESTIC>                           390,937
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        120,500