<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
                                            
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-END>                                   MAR-31-1997
<CASH>                                               669
<INT-BEARING-DEPOSITS>                               199
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                        4,928
<INVESTMENTS-CARRYING>                            69,285
<INVESTMENTS-MARKET>                              69,062
<LOANS>                                          144,996
<ALLOWANCE>                                          833
<TOTAL-ASSETS>                                   223,799
<DEPOSITS>                                       149,398
<SHORT-TERM>                                      38,704
<LIABILITIES-OTHER>                                2,948
<LONG-TERM>                                            0
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                             228
<OTHER-SE>                                        32,522
<TOTAL-LIABILITIES-AND-EQUITY>                   223,799
<INTEREST-LOAN>                                    5,604
<INTEREST-INVEST>                                  2,513
<INTEREST-OTHER>                                       0
<INTEREST-TOTAL>                                   8,117
<INTEREST-DEPOSIT>                                 3,612
<INTEREST-EXPENSE>                                 1,093
<INTEREST-INCOME-NET>                              3,412
<LOAN-LOSSES>                                        100
<SECURITIES-GAINS>                                   173
<EXPENSE-OTHER>                                    1,759
<INCOME-PRETAX>                                    2,063
<INCOME-PRE-EXTRAORDINARY>                             0
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       1,234
<EPS-PRIMARY>                                        .64
<EPS-DILUTED>                                        .64
<YIELD-ACTUAL>                                      3.19
<LOANS-NON>                                          500
<LOANS-PAST>                                         441
<LOANS-TROUBLED>                                     213
<LOANS-PROBLEM>                                    1,742
<ALLOWANCE-OPEN>                                     740
<CHARGE-OFFS>                                         11
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                                    833
<ALLOWANCE-DOMESTIC>                                 833
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0