<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-30-1999 <PERIOD-START> OCT-01-1998 <PERIOD-END> MAR-31-1999 <CASH> 6,335 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 11,825 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 16,310 <INVESTMENTS-MARKET> 16,251 <LOANS> 166,498 <ALLOWANCE> 1,798 <TOTAL-ASSETS> 214,506 <DEPOSITS> 148,850 <SHORT-TERM> 17,000 <LIABILITIES-OTHER> 1,569 <LONG-TERM> 29,990 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,656 <OTHER-SE> 13,441 <TOTAL-LIABILITIES-AND-EQUITY> 214,506 <INTEREST-LOAN> 3,419 <INTEREST-INVEST> 382 <INTEREST-OTHER> 178 <INTEREST-TOTAL> 3,979 <INTEREST-DEPOSIT> 1,535 <INTEREST-EXPENSE> 728 <INTEREST-INCOME-NET> 1,716 <LOAN-LOSSES> 25 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,400 <INCOME-PRETAX> 593 <INCOME-PRE-EXTRAORDINARY> 405 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 405 <EPS-PRIMARY> .13 <EPS-DILUTED> .12 <YIELD-ACTUAL> 3.49 <LOANS-NON> 408 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,904 <CHARGE-OFFS> 106 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,798 <ALLOWANCE-DOMESTIC> 1,448 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 350