[ARTICLE] 9

                             
[PERIOD-TYPE]                   6-MOS
[FISCAL-YEAR-END]                          SEP-30-1999
[PERIOD-END]                               MAR-31-1999
[CASH]                                               0
[INT-BEARING-DEPOSITS]                         7988900
[FED-FUNDS-SOLD]                                     0
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                   74046236
[INVESTMENTS-CARRYING]                               0
[INVESTMENTS-MARKET]                                 0
[LOANS]                                       16152805
[ALLOWANCE]                                      30000
[TOTAL-ASSETS]                               100110327
[DEPOSITS]                                    68084371
[SHORT-TERM]                                         0
[LIABILITIES-OTHER]                             777275
[LONG-TERM]                                   15000000
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                          0
[COMMON]                                          8565
[OTHER-SE]                                    16306765
[TOTAL-LIABILITIES-AND-EQUITY]               100110327
[INTEREST-LOAN]                                 605767
[INTEREST-INVEST]                              2346281
[INTEREST-OTHER]                                235310
[INTEREST-TOTAL]                               3187358
[INTEREST-DEPOSIT]                             1664274
[INTEREST-EXPENSE]                             2081635
[INTEREST-INCOME-NET]                          1105723
[LOAN-LOSSES]                                     5000
[SECURITIES-GAINS]                               50218
[EXPENSE-OTHER]                                 480007
[INCOME-PRETAX]                                 684982
[INCOME-PRE-EXTRAORDINARY]                           0
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                    413220
[EPS-PRIMARY]                                      .54
[EPS-DILUTED]                                      .54
[YIELD-ACTUAL]                                       0
[LOANS-NON]                                          0
[LOANS-PAST]                                         0
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                      0
[ALLOWANCE-OPEN]                                 25000
[CHARGE-OFFS]                                        0
[RECOVERIES]                                         0
[ALLOWANCE-CLOSE]                                30000
[ALLOWANCE-DOMESTIC]                             30000
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                          30000