<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                           2,754
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    159,468
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        145,266
<ALLOWANCE>                                      2,030
<TOTAL-ASSETS>                                 322,876
<DEPOSITS>                                     217,110
<SHORT-TERM>                                     6,900
<LIABILITIES-OTHER>                              5,251
<LONG-TERM>                                     25,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            57
<OTHER-SE>                                      68,558
<TOTAL-LIABILITIES-AND-EQUITY>                 322,876
<INTEREST-LOAN>                                  5,542
<INTEREST-INVEST>                                5,020
<INTEREST-OTHER>                                    71
<INTEREST-TOTAL>                                10,633
<INTEREST-DEPOSIT>                               4,344
<INTEREST-EXPENSE>                               5,175
<INTEREST-INCOME-NET>                            5,458
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                  22
<EXPENSE-OTHER>                                  3,007
<INCOME-PRETAX>                                  2,772
<INCOME-PRE-EXTRAORDINARY>                       2,772
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,022
<EPS-PRIMARY>                                      .53
<EPS-DILUTED>                                      .52
<YIELD-ACTUAL>                                    3.91
<LOANS-NON>                                        752
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    163
<ALLOWANCE-OPEN>                                 1,950
<CHARGE-OFFS>                                       36
<RECOVERIES>                                        26
<ALLOWANCE-CLOSE>                                2,030
<ALLOWANCE-DOMESTIC>                             1,571
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            459