<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from SEC Form
10-QSB and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                             413
<INT-BEARING-DEPOSITS>                           1,119
<FED-FUNDS-SOLD>                                   750
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     34,331
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         43,910
<ALLOWANCE>                                        114
<TOTAL-ASSETS>                                  83,103
<DEPOSITS>                                      57,563
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                454
<LONG-TERM>                                     14,700
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,957
<OTHER-SE>                                       3,429
<TOTAL-LIABILITIES-AND-EQUITY>                  83,103
<INTEREST-LOAN>                                  1,687
<INTEREST-INVEST>                                1,085
<INTEREST-OTHER>                                    92
<INTEREST-TOTAL>                                 2,864
<INTEREST-DEPOSIT>                               1,369
<INTEREST-EXPENSE>                               1,725
<INTEREST-INCOME-NET>                            1,139
<LOAN-LOSSES>                                        3
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                    687
<INCOME-PRETAX>                                    485
<INCOME-PRE-EXTRAORDINARY>                         320
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       320
<EPS-PRIMARY>                                      .36
<EPS-DILUTED>                                      .36
<YIELD-ACTUAL>                                    2.85
<LOANS-NON>                                        126
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   111
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  114
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            114