<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                         4327000
<INT-BEARING-DEPOSITS>                         1494000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     240000
<INVESTMENTS-CARRYING>                        18292000
<INVESTMENTS-MARKET>                          18230000
<LOANS>                                       32024000
<ALLOWANCE>                                      42000
<TOTAL-ASSETS>                                58089000
<DEPOSITS>                                    42637000
<SHORT-TERM>                                   2192000
<LIABILITIES-OTHER>                             686000
<LONG-TERM>                                    1000000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          9000
<OTHER-SE>                                    11565000
<TOTAL-LIABILITIES-AND-EQUITY>                58089000
<INTEREST-LOAN>                                1153000
<INTEREST-INVEST>                               624000
<INTEREST-OTHER>                                139000
<INTEREST-TOTAL>                               1916000
<INTEREST-DEPOSIT>                              953000
<INTEREST-EXPENSE>                             1020000
<INTEREST-INCOME-NET>                           896000
<LOAN-LOSSES>                                     1000
<SECURITIES-GAINS>                               37000
<EXPENSE-OTHER>                                 667000
<INCOME-PRETAX>                                 359000
<INCOME-PRE-EXTRAORDINARY>                      249000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    249000
<EPS-PRIMARY>                                     0.34
<EPS-DILUTED>                                     0.34
<YIELD-ACTUAL>                                    3.17
<LOANS-NON>                                          0
<LOANS-PAST>                                     33000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 41000
<CHARGE-OFFS>                                     1000
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                42000
<ALLOWANCE-DOMESTIC>                             42000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0