<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     ANNUAL  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>                                            807
<INT-BEARING-DEPOSITS>                            525
<FED-FUNDS-SOLD>                                  140
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     6,435
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                                0
<LOANS>                                        44,807
<ALLOWANCE>                                       419
<TOTAL-ASSETS>                                 55,966
<DEPOSITS>                                     43,305
<SHORT-TERM>                                    4,500
<LIABILITIES-OTHER>                               643
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                           66
<OTHER-SE>                                      7,452
<TOTAL-LIABILITIES-AND-EQUITY>                 55,966
<INTEREST-LOAN>                                 1,975
<INTEREST-INVEST>                                 195
<INTEREST-OTHER>                                   15
<INTEREST-TOTAL>                                2,185
<INTEREST-DEPOSIT>                              1,177
<INTEREST-EXPENSE>                                106
<INTEREST-INCOME-NET>                             902
<LOAN-LOSSES>                                      30
<SECURITIES-GAINS>                                 (7)
<EXPENSE-OTHER>                                   773
<INCOME-PRETAX>                                   180
<INCOME-PRE-EXTRAORDINARY>                        117
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      117
<EPS-BASIC>                                       .25
<EPS-DILUTED>                                     .25
<YIELD-ACTUAL>                                   3.09
<LOANS-NON>                                        67
<LOANS-PAST>                                      476
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  389
<CHARGE-OFFS>                                       0
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 419
<ALLOWANCE-DOMESTIC>                              419
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0