<ARTICLE>                                        9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                  1000
       
                                  
<PERIOD-TYPE>                                6-MOS
<FISCAL-YEAR-END>                      SEP-30-1999   
<PERIOD-END>                           MAR-31-1999
<CASH>                                         189
<INT-BEARING-DEPOSITS>                         884
<FED-FUNDS-SOLD>                                 0
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                  5,925
<INVESTMENTS-CARRYING>                           0
<INVESTMENTS-MARKET>                             0
<LOANS>                                     38,107
<ALLOWANCE>                                    380
<TOTAL-ASSETS>                              47,601
<DEPOSITS>                                  39,151
<SHORT-TERM>                                     0
<LIABILITIES-OTHER>                            452
<LONG-TERM>                                      0
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<COMMON>                                        66
<OTHER-SE>                                   7,932
<TOTAL-LIABILITIES-AND-EQUITY>              47,601
<INTEREST-LOAN>                              1,694
<INTEREST-INVEST>                              178
<INTEREST-OTHER>                                15
<INTEREST-TOTAL>                             1,887
<INTEREST-DEPOSIT>                           1,050
<INTEREST-EXPENSE>                              12
<INTEREST-INCOME-NET>                          825
<LOAN-LOSSES>                                   10
<SECURITIES-GAINS>                               1
<EXPENSE-OTHER>                                575
<INCOME-PRETAX>                                273
<INCOME-PRE-EXTRAORDINARY>                     176
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                   176
<EPS-PRIMARY>                                  .31
<EPS-DILUTED>                                  .31
<YIELD-ACTUAL>                                2.79
<LOANS-NON>                                    361
<LOANS-PAST>                                   787
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                               380
<CHARGE-OFFS>                                    0
<RECOVERIES>                                     0
<ALLOWANCE-CLOSE>                              380
<ALLOWANCE-DOMESTIC>                           380
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0