<ARTICLE> 9
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<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1998             SEP-30-1997
<PERIOD-START>                             OCT-01-1997             OCT-01-1996
<PERIOD-END>                               MAR-31-1998             MAR-31-1997
<CASH>                                           1,248                   1,228
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<INVESTMENTS-MARKET>                             1,512                   2,537
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<ALLOWANCE>                                        255                     237
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<INTEREST-DEPOSIT>                               1,084                     964
<INTEREST-EXPENSE>                               1,086                     965
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<LOAN-LOSSES>                                        6                      12
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<EPS-PRIMARY>                                      .18                     .35
<EPS-DILUTED>                                      .18                     .35
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