<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
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<PERIOD-END>                               MAR-31-1999
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<INVESTMENTS-MARKET>                                         0 
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<LIABILITIES-OTHER>                                      9,331  
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<INTEREST-OTHER>                                           180  
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<INTEREST-DEPOSIT>                                       7,484  
<INTEREST-EXPENSE>                                      13,521  
<INTEREST-INCOME-NET>                                   10,863  
<LOAN-LOSSES>                                             (577)  
<SECURITIES-GAINS>                                         225  
<EXPENSE-OTHER>                                          7,598  
<INCOME-PRETAX>                                          5,852  
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<CHANGES>                                                    0
<NET-INCOME>                                             3,729                          
<EPS-PRIMARY>                                              .59  
<EPS-DILUTED>                                             7.79  
<YIELD-ACTUAL>                                               0
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<LOANS-PAST>                                                 0 
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<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                         6,160 
<CHARGE-OFFS>                                              120 
<RECOVERIES>                                               181 
<ALLOWANCE-CLOSE>                                            0 
<ALLOWANCE-DOMESTIC>                                     6,160    
<ALLOWANCE-FOREIGN>                                          0 
<ALLOWANCE-UNALLOCATED>                                      0