<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> SEP-30-1995 <PERIOD-START> OCT-01-1995 <PERIOD-END> MAR-31-1996 <CASH> 259 <INT-BEARING-DEPOSITS> 4,937 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 14,952 <INVESTMENTS-CARRYING> 16,775 <INVESTMENTS-MARKET> 16,964 <LOANS> 38,308 <ALLOWANCE> 193 <TOTAL-ASSETS> 78,078 <DEPOSITS> 67,374 <SHORT-TERM> 0 <LIABILITIES-OTHER> 654 <LONG-TERM> 0 <COMMON> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 10,050 <TOTAL-LIABILITIES-AND-EQUITY> 78,078 <INTEREST-LOAN> 1,568 <INTEREST-INVEST> 1,077 <INTEREST-OTHER> 102 <INTEREST-TOTAL> 2,747 <INTEREST-DEPOSIT> 1,721 <INTEREST-EXPENSE> 1,721 <INTEREST-INCOME-NET> 1,026 <LOAN-LOSSES> 105 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 773 <INCOME-PRETAX> 160 <INCOME-PRE-EXTRAORDINARY> 112 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 112 <EPS-PRIMARY> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 724 <LOANS-NON> 634 <LOANS-PAST> 48 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 86 <CHARGE-OFFS> 0 <RECOVERIES> 8 <ALLOWANCE-CLOSE> 193 <ALLOWANCE-DOMESTIC> 193 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0