<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM
THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
              
<MULTIPLIER>                                 1,000  
       
                                          
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              SEP-30-1998  
<PERIOD-END>                                   MAR-31-1998  
<CASH>                                           6,415
<INT-BEARING-DEPOSITS>                             161
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,931
<INVESTMENTS-CARRYING>                          42,716
<INVESTMENTS-MARKET>                            42,857
<LOANS>                                        168,059
<ALLOWANCE>                                      1,067
<TOTAL-ASSETS>                                 231,268
<DEPOSITS>                                     149,966
<SHORT-TERM>                                    43,900
<LIABILITIES-OTHER>                              4,759
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           228
<OTHER-SE>                                      32,415
<TOTAL-LIABILITIES-AND-EQUITY>                 231,268
<INTEREST-LOAN>                                  6,758
<INTEREST-INVEST>                                1,909
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 8,667
<INTEREST-DEPOSIT>                               3,718
<INTEREST-EXPENSE>                               1,384
<INTEREST-INCOME-NET>                            3,565
<LOAN-LOSSES>                                      145
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,950
<INCOME-PRETAX>                                  2,015
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,209
<EPS-PRIMARY>                                      .77
<EPS-DILUTED>                                      .70
<YIELD-ACTUAL>                                     285
<LOANS-NON>                                         13
<LOANS-PAST>                                       292
<LOANS-TROUBLED>                                   160
<LOANS-PROBLEM>                                  1,314
<ALLOWANCE-OPEN>                                   967
<CHARGE-OFFS>                                       52
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,067
<ALLOWANCE-DOMESTIC>                             1,067
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0