<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE ANNUAL REPORT ON FORM 10-KSB FOR THE YEAR ENDED SEPTEMBER 30, 1996
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER>          1
       
                                                 
<PERIOD-TYPE>                     6-MOS
<FISCAL-YEAR-END>                                    SEP-30-1996
<PERIOD-END>                                         MAR-31-1997
<CASH>                                                   157,549
<INT-BEARING-DEPOSITS>                                    98,360
<FED-FUNDS-SOLD>                                               0
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                           12,262,560
<INVESTMENTS-CARRYING>                                 3,495,657
<INVESTMENTS-MARKET>                                   3,495,657
<LOANS>                                               40,171,975
<ALLOWANCE>                                              560,917
<TOTAL-ASSETS>                                        57,219,733
<DEPOSITS>                                            42,612,878
<SHORT-TERM>                                           6,500,000
<LIABILITIES-OTHER>                                      406,264
<LONG-TERM>                                            1,095,898
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                               2,190,389
<OTHER-SE>                                             4,414,304
<TOTAL-LIABILITIES-AND-EQUITY>                        57,219,733
<INTEREST-LOAN>                                        1,615,463
<INTEREST-INVEST>                                        296,792
<INTEREST-OTHER>                                               0
<INTEREST-TOTAL>                                       2,112,255
<INTEREST-DEPOSIT>                                     1,013,968
<INTEREST-EXPENSE>                                       202,997
<INTEREST-INCOME-NET>                                    895,290
<LOAN-LOSSES>                                              5,000
<SECURITIES-GAINS>                                             0
<EXPENSE-OTHER>                                          691,706
<INCOME-PRETAX>                                          219,982
<INCOME-PRE-EXTRAORDINARY>                               102,352
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                             140,982
<EPS-PRIMARY>                                                .37
<EPS-DILUTED>                                                .37
<YIELD-ACTUAL>                                                 0
<LOANS-NON>                                              642,211
<LOANS-PAST>                                           1,029,385
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                         580,358
<CHARGE-OFFS>                                             24,383
<RECOVERIES>                                                   0
<ALLOWANCE-CLOSE>                                        560,917
<ALLOWANCE-DOMESTIC>                                           0
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0