<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> SEP-30-1998 <PERIOD-START> OCT-01-1997 <PERIOD-END> MAR-31-1998 <CASH> 470 <INT-BEARING-DEPOSITS> 3,169 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 162 <INVESTMENTS-CARRYING> 3,105 <INVESTMENTS-MARKET> 3,138 <LOANS> 29,225 <ALLOWANCE> 187 <TOTAL-ASSETS> 37,007 <DEPOSITS> 31,175 <SHORT-TERM> 0 <LIABILITIES-OTHER> 204 <LONG-TERM> 300 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 5,328 <TOTAL-LIABILITIES-AND-EQUITY> 37,007 <INTEREST-LOAN> 1,290 <INTEREST-INVEST> 112 <INTEREST-OTHER> 80 <INTEREST-TOTAL> 1,482 <INTEREST-DEPOSIT> 739 <INTEREST-EXPENSE> 773 <INTEREST-INCOME-NET> 709 <LOAN-LOSSES> 8 <SECURITIES-GAINS> 75 <EXPENSE-OTHER> 450 <INCOME-PRETAX> 357 <INCOME-PRE-EXTRAORDINARY> 239 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 239 <EPS-PRIMARY> .50 <EPS-DILUTED> .48 <YIELD-ACTUAL> 4.29 <LOANS-NON> 2 <LOANS-PAST> 7 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 187 <CHARGE-OFFS> 9 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 187 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 187