<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>                                         4,583 
<INT-BEARING-DEPOSITS>                        11,000
<FED-FUNDS-SOLD>                               6,350
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                   41,051
<INVESTMENTS-CARRYING>                        22,176
<INVESTMENTS-MARKET>                          22,278
<LOANS>                                       77,965
<ALLOWANCE>                                    1,142
<TOTAL-ASSETS>                               165,925
<DEPOSITS>                                   138,893
<SHORT-TERM>                                       0
<LIABILITIES-OTHER>                            5,198
<LONG-TERM>                                    1,706
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                         145
<OTHER-SE>                                    19,984
<TOTAL-LIABILITIES-AND-EQUITY>               165,925
<INTEREST-LOAN>                                3,113
<INTEREST-INVEST>                              2,149
<INTEREST-OTHER>                                 270
<INTEREST-TOTAL>                               5,532
<INTEREST-DEPOSIT>                             2,849
<INTEREST-EXPENSE>                                59
<INTEREST-INCOME-NET>                          2,624
<LOAN-LOSSES>                                     50
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                1,869
<INCOME-PRETAX>                                  898
<INCOME-PRE-EXTRAORDINARY>                       898
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                     567
<EPS-PRIMARY>                                    .46  
<EPS-DILUTED>                                    .44
<YIELD-ACTUAL>                                  7.31
<LOANS-NON>                                      573
<LOANS-PAST>                                       0
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                               1,127
<CHARGE-OFFS>                                      0
<RECOVERIES>                                       0
<ALLOWANCE-CLOSE>                              1,142
<ALLOWANCE-DOMESTIC>                             506
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                          636