<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
ANNUAL REPORT ON FORM 10-KSB FOR THE YEAR ENDED SEPTEMBER 30, 1997 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>          1
       
                                                 
<PERIOD-TYPE>                     6-MOS
<FISCAL-YEAR-END>                                    SEP-30-1997
<PERIOD-END>                                         MAR-31-1998
<CASH>                                                   264,464
<INT-BEARING-DEPOSITS>                                   774,241
<FED-FUNDS-SOLD>                                               0
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                           15,208,674
<INVESTMENTS-CARRYING>                                 1,167,936
<INVESTMENTS-MARKET>                                   1,169,021
<LOANS>                                               42,693,027
<ALLOWANCE>                                              550,767
<TOTAL-ASSETS>                                        62,850,479
<DEPOSITS>                                            44,731,130
<SHORT-TERM>                                           9,500,000
<LIABILITIES-OTHER>                                      680,710
<LONG-TERM>                                              845,663
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                               2,682,393
<OTHER-SE>                                             4,410,584
<TOTAL-LIABILITIES-AND-EQUITY>                        62,850,479
<INTEREST-LOAN>                                          860,990
<INTEREST-INVEST>                                        285,652
<INTEREST-OTHER>                                               0
<INTEREST-TOTAL>                                       1,146,642
<INTEREST-DEPOSIT>                                       555,597
<INTEREST-EXPENSE>                                       159,219
<INTEREST-INCOME-NET>                                    431,286
<LOAN-LOSSES>                                                  0
<SECURITIES-GAINS>                                             0
<EXPENSE-OTHER>                                          350,476
<INCOME-PRETAX>                                           93,147
<INCOME-PRE-EXTRAORDINARY>                                93,147
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                              52,947
<EPS-PRIMARY>                                                .14
<EPS-DILUTED>                                                .14
<YIELD-ACTUAL>                                              7.62
<LOANS-NON>                                              532,777
<LOANS-PAST>                                                   0
<LOANS-TROUBLED>                                          34,811
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                         589,205
<CHARGE-OFFS>                                                  0
<RECOVERIES>                                                   0
<ALLOWANCE-CLOSE>                                        589,205
<ALLOWANCE-DOMESTIC>                                           0
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0