<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                         514,183
<INT-BEARING-DEPOSITS>                       5,313,524
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 86,029,168
<INVESTMENTS-CARRYING>                      34,364,761
<INVESTMENTS-MARKET>                        33,360,600
<LOANS>                                     91,635,785
<ALLOWANCE>                                  (347,000)
<TOTAL-ASSETS>                             227,399,623
<DEPOSITS>                                 117,583,183
<SHORT-TERM>                                17,500,000
<LIABILITIES-OTHER>                          1,644,263
<LONG-TERM>                                 44,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        39,675
<OTHER-SE>                                  45,800,815
<TOTAL-LIABILITIES-AND-EQUITY>             227,399,623
<INTEREST-LOAN>                              3,735,641
<INTEREST-INVEST>                            4,575,338
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             8,310,979
<INTEREST-DEPOSIT>                           3,034,163
<INTEREST-EXPENSE>                           4,843,903
<INTEREST-INCOME-NET>                        3,467,076
<LOAN-LOSSES>                                    6,618
<SECURITIES-GAINS>                             139,718
<EXPENSE-OTHER>                              2,484,760
<INCOME-PRETAX>                              1,182,634
<INCOME-PRE-EXTRAORDINARY>                     950,633
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   950,633
<EPS-PRIMARY>                                      .27
<EPS-DILUTED>                                      .27
<YIELD-ACTUAL>                                    3.06
<LOANS-NON>                                    451,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               345,000
<CHARGE-OFFS>                                    4,618
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              347,000
<ALLOWANCE-DOMESTIC>                           347,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0