<ARTICLE> 9
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-END>                               MAR-30-1997
<CASH>                                            2380
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                       4963
<INVESTMENTS-CARRYING>                            5505
<INVESTMENTS-MARKET>                              5325
<LOANS>                                          20841
<ALLOWANCE>                                        143
<TOTAL-ASSETS>                                   34981
<DEPOSITS>                                       26313
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                403
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           627
<OTHER-SE>                                        7638
<TOTAL-LIABILITIES-AND-EQUITY>                   34981
<INTEREST-LOAN>                                    814
<INTEREST-INVEST>                                  396
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                  1210
<INTEREST-DEPOSIT>                                 583
<INTEREST-EXPENSE>                                 585
<INTEREST-INCOME-NET>                              625
<LOAN-LOSSES>                                        9
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                    604
<INCOME-PRETAX>                                     33
<INCOME-PRE-EXTRAORDINARY>                          28
<EXTRAORDINARY>                                     28
<CHANGES>                                            0
<NET-INCOME>                                        28
<EPS-PRIMARY>                                      .05
<EPS-DILUTED>                                      .05
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        124
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   134
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                  143
<ALLOWANCE-DOMESTIC>                               143
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            143