<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q 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>                                          5,882
<INT-BEARING-DEPOSITS>                            284
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     8,725
<INVESTMENTS-CARRYING>                         40,297
<INVESTMENTS-MARKET>                           38,680
<LOANS>                                       183,628
<ALLOWANCE>                                     1,424
<TOTAL-ASSETS>                                244,661
<DEPOSITS>                                    157,606
<SHORT-TERM>                                   60,500
<LIABILITIES-OTHER>                             3,596
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          228
<OTHER-SE>                                     22,731
<TOTAL-LIABILITIES-AND-EQUITY>                244,661
<INTEREST-LOAN>                                 7,177
<INTEREST-INVEST>                               1,759
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                8,936
<INTEREST-DEPOSIT>                              3,652
<INTEREST-EXPENSE>                              5,313
<INTEREST-INCOME-NET>                           3,623
<LOAN-LOSSES>                                     230
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 2,027
<INCOME-PRETAX>                                 1,817
<INCOME-PRE-EXTRAORDINARY>                          0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    1,091
<EPS-BASIC>                                      1.01
<EPS-DILUTED>                                     .94
<YIELD-ACTUAL>                                   3.44
<LOANS-NON>                                       448
<LOANS-PAST>                                      282
<LOANS-TROUBLED>                                  633
<LOANS-PROBLEM>                                 1,838
<ALLOWANCE-OPEN>                                1,318
<CHARGE-OFFS>                                     168
<RECOVERIES>                                       44
<ALLOWANCE-CLOSE>                               1,424
<ALLOWANCE-DOMESTIC>                            1,424
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0