<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION 
EXTRACTED FROM FORM 10-QSB AND IS QUALIFIED IN ITS 
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-START>                             OCT-01-1995
<PERIOD-END>                               MAR-31-1996
<CASH>                                       1,000,618
<INT-BEARING-DEPOSITS>                         183,926
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,061,469
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     63,545,397
<ALLOWANCE>                                    330,003
<TOTAL-ASSETS>                              72,525,701
<DEPOSITS>                                  58,223,311
<SHORT-TERM>                                 2,585,000
<LIABILITIES-OTHER>                            987,427
<LONG-TERM>                                     40,850
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,714
<OTHER-SE>                                  10,682,399
<TOTAL-LIABILITIES-AND-EQUITY>              72,525,701
<INTEREST-LOAN>                              2,660,682
<INTEREST-INVEST>                              258,321
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             2,919,003
<INTEREST-DEPOSIT>                           1,732,790
<INTEREST-EXPENSE>                           1,749,271
<INTEREST-INCOME-NET>                        1,169,732
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                              36,960
<EXPENSE-OTHER>                                852,679
<INCOME-PRETAX>                                474,060
<INCOME-PRE-EXTRAORDINARY>                     474,060
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   298,659
<EPS-PRIMARY>                                      .44
<EPS-DILUTED>                                      .44
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0