<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information from Form 10-Q and is
qualified in its entirety by reference to such Form 10-Q.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                       4,766,000
<INT-BEARING-DEPOSITS>                         400,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      22,902,000
<INVESTMENTS-MARKET>                        22,162,000
<LOANS>                                    264,264,000
<ALLOWANCE>                                  1,752,000
<TOTAL-ASSETS>                             284,767,000
<DEPOSITS>                                 143,448,000
<SHORT-TERM>                                96,970,000
<LIABILITIES-OTHER>                          4,913,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,000
<OTHER-SE>                                  39,406,000
<TOTAL-LIABILITIES-AND-EQUITY>             284,767,000
<INTEREST-LOAN>                              9,234,000
<INTEREST-INVEST>                              638,000
<INTEREST-OTHER>                               188,000
<INTEREST-TOTAL>                            10,060,000
<INTEREST-DEPOSIT>                           3,660,000
<INTEREST-EXPENSE>                           6,061,000
<INTEREST-INCOME-NET>                        3,999,000
<LOAN-LOSSES>                                  151,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,497,000
<INCOME-PRETAX>                              1,637,000
<INCOME-PRE-EXTRAORDINARY>                   1,637,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,091,000
<EPS-BASIC>                                       0.56
<EPS-DILUTED>                                     0.56
<YIELD-ACTUAL>                                    7.89
<LOANS-NON>                                    161,000
<LOANS-PAST>                                    67,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              5,098,000
<ALLOWANCE-OPEN>                             1,602,000
<CHARGE-OFFS>                                    1,000
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            1,752,000
<ALLOWANCE-DOMESTIC>                         1,752,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0