<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>
       
                                           
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-END>                                   MAR-31-1998
<CASH>                                            248
<INT-BEARING-DEPOSITS>                          7,767
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    11,055
<INVESTMENTS-CARRYING>                          6,503
<INVESTMENTS-MARKET>                            6,572
<LOANS>                                        43,133
<ALLOWANCE>                                       864
<TOTAL-ASSETS>                                 69,960
<DEPOSITS>                                     55,721
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                             1,445
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          101
<OTHER-SE>                                     12,693
<TOTAL-LIABILITIES-AND-EQUITY>                 69,960
<INTEREST-LOAN>                                 1,932
<INTEREST-INVEST>                                 617
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                2,548
<INTEREST-DEPOSIT>                              1,246
<INTEREST-EXPENSE>                              1,246
<INTEREST-INCOME-NET>                           1,302
<LOAN-LOSSES>                                       0
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   820
<INCOME-PRETAX>                                   606
<INCOME-PRE-EXTRAORDINARY>                        373
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      373
<EPS-PRIMARY>                                    0.57
<EPS-DILUTED>                                    0.51
<YIELD-ACTUAL>                                   7.50 
<LOANS-NON>                                       212
<LOANS-PAST>                                       98
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                 1,585
<ALLOWANCE-OPEN>                                  861
<CHARGE-OFFS>                                       0
<RECOVERIES>                                        3
<ALLOWANCE-CLOSE>                                 864
<ALLOWANCE-DOMESTIC>                              864
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           702