<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-30-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                         365,000
<INT-BEARING-DEPOSITS>                      11,641,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      13,831,000
<INVESTMENTS-MARKET>                        13,891,000
<LOANS>                                    184,003,000
<ALLOWANCE>                                  1,724,000
<TOTAL-ASSETS>                             220,892,000
<DEPOSITS>                                 134,120,000
<SHORT-TERM>                                38,250,000
<LIABILITIES-OTHER>                          2,618,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,000
<OTHER-SE>                                  45,874,000
<TOTAL-LIABILITIES-AND-EQUITY>             220,892,000
<INTEREST-LOAN>                              7,763,000
<INTEREST-INVEST>                              450,000
<INTEREST-OTHER>                               276,000
<INTEREST-TOTAL>                             8,489,000
<INTEREST-DEPOSIT>                           3,556,000
<INTEREST-EXPENSE>                           3,824,000
<INTEREST-INCOME-NET>                        3,862,000
<LOAN-LOSSES>                                  104,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,100,000
<INCOME-PRETAX>                              1,818,000
<INCOME-PRE-EXTRAORDINARY>                   1,818,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,145,000
<EPS-PRIMARY>                                      .48
<EPS-DILUTED>                                      .47
<YIELD-ACTUAL>                                    8.31
<LOANS-NON>                                    743,000
<LOANS-PAST>                                 1,044,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                             12,337,000
<ALLOWANCE-OPEN>                             1,624,000
<CHARGE-OFFS>                                    4,000
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            1,724,000
<ALLOWANCE-DOMESTIC>                         1,724,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0