<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the quarterly
report on Form 10-Q for the fiscal quarter and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-START>                             OCT-01-1997
<PERIOD-END>                               MAR-31-1998
<CASH>                                       1,923,714
<INT-BEARING-DEPOSITS>                       1,634,358
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,425,044
<INVESTMENTS-CARRYING>                      10,269,253
<INVESTMENTS-MARKET>                        10,656,394
<LOANS>                                     91,313,986
<ALLOWANCE>                                    112,360
<TOTAL-ASSETS>                             112,622,624
<DEPOSITS>                                  78,903,493
<SHORT-TERM>                                 5,000,000
<LIABILITIES-OTHER>                            611,982
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        20,476
<OTHER-SE>                                  28,086,673
<TOTAL-LIABILITIES-AND-EQUITY>             112,622,624
<INTEREST-LOAN>                              3,418,158
<INTEREST-INVEST>                              559,828
<INTEREST-OTHER>                               110,487
<INTEREST-TOTAL>                             4,088,473
<INTEREST-DEPOSIT>                           1,960,799
<INTEREST-EXPENSE>                           1,960,799
<INTEREST-INCOME-NET>                        2,127,674
<LOAN-LOSSES>                                    6,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,001,656
<INCOME-PRETAX>                              1,327,655
<INCOME-PRE-EXTRAORDINARY>                   1,327,655
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   809,272
<EPS-PRIMARY>                                      .46
<EPS-DILUTED>                                      .45
<YIELD-ACTUAL>                                    3.96
<LOANS-NON>                                          0
<LOANS-PAST>                                   630,981
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               106,360
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              112,360
<ALLOWANCE-DOMESTIC>                           112,360
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0