<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted 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-30-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          345000
<INT-BEARING-DEPOSITS>                         5307000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                        14418000
<INVESTMENTS-MARKET>                          14397000
<LOANS>                                      169218000
<ALLOWANCE>                                    1610000
<TOTAL-ASSETS>                               197693000
<DEPOSITS>                                   124635000
<SHORT-TERM>                                  25250000
<LIABILITIES-OTHER>                            2427000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         30000
<OTHER-SE>                                    45351000
<TOTAL-LIABILITIES-AND-EQUITY>               197693000
<INTEREST-LOAN>                                6952000
<INTEREST-INVEST>                               517000
<INTEREST-OTHER>                                235000
<INTEREST-TOTAL>                               7704000
<INTEREST-DEPOSIT>                             3228000
<INTEREST-EXPENSE>                             3824000
<INTEREST-INCOME-NET>                          3880000
<LOAN-LOSSES>                                   269000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                1716000
<INCOME-PRETAX>                                2003000
<INCOME-PRE-EXTRAORDINARY>                     2003000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   1230000
<EPS-PRIMARY>                                      .46
<EPS-DILUTED>                                      .46
<YIELD-ACTUAL>                                    8.29
<LOANS-NON>                                     386000
<LOANS-PAST>                                    631000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                9203000
<ALLOWANCE-OPEN>                               1353000
<CHARGE-OFFS>                                       12
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              1610000
<ALLOWANCE-DOMESTIC>                           1610000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0