<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> SEP-30-1999 <PERIOD-END> MAR-31-1999 <CASH> 647 <INT-BEARING-DEPOSITS> 6,660 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 4,071 <INVESTMENTS-CARRYING> 38,581 <INVESTMENTS-MARKET> 39,704 <LOANS> 65,904 <ALLOWANCE> 300 <TOTAL-ASSETS> 119,966 <DEPOSITS> 81,524 <SHORT-TERM> 0 <LIABILITIES-OTHER> 531 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 37,911 <TOTAL-LIABILITIES-AND-EQUITY> 119,966 <INTEREST-LOAN> 27,442 <INTEREST-INVEST> 1,380 <INTEREST-OTHER> 135 <INTEREST-TOTAL> 4,257 <INTEREST-DEPOSIT> 1,863 <INTEREST-EXPENSE> 1,863 <INTEREST-INCOME-NET> 2,394 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,648 <INCOME-PRETAX> 804 <INCOME-PRE-EXTRAORDINARY> 531 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 531 <EPS-PRIMARY> 0.21 <EPS-DILUTED> 0.21 <YIELD-ACTUAL> 4.12 <LOANS-NON> 0 <LOANS-PAST> 32 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 300 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 300 <ALLOWANCE-DOMESTIC> 300 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0