<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-30-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                       2,267,733
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             5,821,287
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 18,268,797
<INVESTMENTS-CARRYING>                       5,712,446
<INVESTMENTS-MARKET>                         5,731,879
<LOANS>                                     76,869,422
<ALLOWANCE>                                    545,437
<TOTAL-ASSETS>                             112,949,997
<DEPOSITS>                                  84,884,632
<SHORT-TERM>                                 1,000,000
<LIABILITIES-OTHER>                          1,299,698
<LONG-TERM>                                  4,469,041
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,547
<OTHER-SE>                                  21,296,626
<TOTAL-LIABILITIES-AND-EQUITY>             112,949,997
<INTEREST-LOAN>                              1,451,950
<INTEREST-INVEST>                              317,618
<INTEREST-OTHER>                                76,621
<INTEREST-TOTAL>                             1,846,189
<INTEREST-DEPOSIT>                             744,494
<INTEREST-EXPENSE>                             833,678
<INTEREST-INCOME-NET>                        1,012,511
<LOAN-LOSSES>                                   12,000
<SECURITIES-GAINS>                              44,471
<EXPENSE-OTHER>                                730,446
<INCOME-PRETAX>                                429,370
<INCOME-PRE-EXTRAORDINARY>                     429,370
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   207,270
<EPS-PRIMARY>                                      .16
<EPS-DILUTED>                                      .16
<YIELD-ACTUAL>                                    6.86
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               533,437
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              545,437
<ALLOWANCE-DOMESTIC>                           459,833
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         85,604