<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-START>                             OCT-01-1997
<PERIOD-END>                               MAR-31-1998
<CASH>                                             665
<INT-BEARING-DEPOSITS>                             201
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     48,225
<INVESTMENTS-CARRYING>                          17,825
<INVESTMENTS-MARKET>                            17,790
<LOANS>                                        151,507
<ALLOWANCE>                                        541
<TOTAL-ASSETS>                                 226,711
<DEPOSITS>                                     151,690
<SHORT-TERM>                                     1,000
<LIABILITIES-OTHER>                              2,633
<LONG-TERM>                                     45,664
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      25,724
<TOTAL-LIABILITIES-AND-EQUITY>                 226,711
<INTEREST-LOAN>                                  5,567
<INTEREST-INVEST>                                2,229
<INTEREST-OTHER>                                   109
<INTEREST-TOTAL>                                 7,905
<INTEREST-DEPOSIT>                               3,698
<INTEREST-EXPENSE>                               4,991
<INTEREST-INCOME-NET>                            2,915
<LOAN-LOSSES>                                       84
<SECURITIES-GAINS>                                 175
<EXPENSE-OTHER>                                  2,085
<INCOME-PRETAX>                                  1,078
<INCOME-PRE-EXTRAORDINARY>                       1,078
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       704
<EPS-PRIMARY>                                      .34
<EPS-DILUTED>                                      .33
<YIELD-ACTUAL>                                    2.76
<LOANS-NON>                                        200
<LOANS-PAST>                                       436
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   562
<CHARGE-OFFS>                                      105
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  541
<ALLOWANCE-DOMESTIC>                               216
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            325