<ARTICLE>                                            9
       
                                            
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-END>                                   MAR-31-1997
<CASH>                                            303
<INT-BEARING-DEPOSITS>                          3,876
<FED-FUNDS-SOLD>                                2,289
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                         0
<INVESTMENTS-CARRYING>                          5,500
<INVESTMENTS-MARKET>                            5,348
<LOANS>                                        78,569
<ALLOWANCE>                                       220
<TOTAL-ASSETS>                                 98,458
<DEPOSITS>                                     71,293
<SHORT-TERM>                                    4,000
<LIABILITIES-OTHER>                             1,614
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          154
<OTHER-SE>                                     13,444
<TOTAL-LIABILITIES-AND-EQUITY>                 98,458
<INTEREST-LOAN>                                 2,925
<INTEREST-INVEST>                                 170
<INTEREST-OTHER>                                  265
<INTEREST-TOTAL>                                3,462
<INTEREST-DEPOSIT>                              1,580
<INTEREST-EXPENSE>                                 44
<INTEREST-INCOME-NET>                           1,838
<LOAN-LOSSES>                                      31
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 1,267
<INCOME-PRETAX>                                   601
<INCOME-PRE-EXTRAORDINARY>                        601
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      358
<EPS-PRIMARY>                                     .24
<EPS-DILUTED>                                       0
<YIELD-ACTUAL>                                   2.89
<LOANS-NON>                                       382
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  195
<CHARGE-OFFS>                                       6
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 220
<ALLOWANCE-DOMESTIC>                              220
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0