<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>                                           400
<INT-BEARING-DEPOSITS>                         5,626
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                    3,183
<INVESTMENTS-CARRYING>                           700
<INVESTMENTS-MARKET>                             699
<LOANS>                                       33,391
<ALLOWANCE>                                      364
<TOTAL-ASSETS>                                44,819
<DEPOSITS>                                    41,330
<SHORT-TERM>                                       0
<LIABILITIES-OTHER>                              416
<LONG-TERM>                                        0
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                           0
<OTHER-SE>                                     3,073
<TOTAL-LIABILITIES-AND-EQUITY>                44,819
<INTEREST-LOAN>                                1,557
<INTEREST-INVEST>                                126
<INTEREST-OTHER>                                  26
<INTEREST-TOTAL>                               1,709
<INTEREST-DEPOSIT>                             1,041
<INTEREST-EXPENSE>                                37
<INTEREST-INCOME-NET>                            631
<LOAN-LOSSES>                                     18
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                  473
<INCOME-PRETAX>                                  166
<INCOME-PRE-EXTRAORDINARY>                       104
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                     104
<EPS-PRIMARY>                                      0
<EPS-DILUTED>                                      0
<YIELD-ACTUAL>                                  2.93
<LOANS-NON>                                       15
<LOANS-PAST>                                     350
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                                 346
<CHARGE-OFFS>                                      0
<RECOVERIES>                                       0
<ALLOWANCE-CLOSE>                                364
<ALLOWANCE-DOMESTIC>                             364
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0