<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

                                  
<PERIOD-TYPE>                                 6-MOS
<FISCAL-YEAR-END>                       SEP-30-2000
<PERIOD-END>                            MAR-31-2000
<CASH>                                        3,664
<INT-BEARING-DEPOSITS>                            0
<FED-FUNDS-SOLD>                                  0
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                   5,760
<INVESTMENTS-CARRYING>                          808
<INVESTMENTS-MARKET>                          6,561
<LOANS>                                     164,508
<ALLOWANCE>                                     862
<TOTAL-ASSETS>                              178,344
<DEPOSITS>                                  123,696
<SHORT-TERM>                                 16,000
<LIABILITIES-OTHER>                           1,099
<LONG-TERM>                                  19,000
<PREFERRED-MANDATORY>                             0
<PREFERRED>                                       0
<COMMON>                                        215
<OTHER-SE>                                   21,333
<TOTAL-LIABILITIES-AND-EQUITY>              178,344
<INTEREST-LOAN>                               5,886
<INTEREST-INVEST>                               439
<INTEREST-OTHER>                                  0
<INTEREST-TOTAL>                              6,325
<INTEREST-DEPOSIT>                            2,362
<INTEREST-EXPENSE>                            3,313
<INTEREST-INCOME-NET>                         3,012
<LOAN-LOSSES>                                    60
<SECURITIES-GAINS>                                0
<EXPENSE-OTHER>                               1,750
<INCOME-PRETAX>                               1,738
<INCOME-PRE-EXTRAORDINARY>                    1,056
<EXTRAORDINARY>                                   0
<CHANGES>                                         0
<NET-INCOME>                                  1,056
<EPS-BASIC>                                     .51
<EPS-DILUTED>                                   .49
<YIELD-ACTUAL>                                 3.58
<LOANS-NON>                                   2,158
<LOANS-PAST>                                      0
<LOANS-TROUBLED>                                  0
<LOANS-PROBLEM>                                   0
<ALLOWANCE-OPEN>                                804
<CHARGE-OFFS>                                    15
<RECOVERIES>                                      3
<ALLOWANCE-CLOSE>                               852
<ALLOWANCE-DOMESTIC>                            852
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                         852