<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> SEP-30-1999 <PERIOD-START> OCT-01-1998 <PERIOD-END> MAR-31-1999 <CASH> 715 <INT-BEARING-DEPOSITS> 2,151 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 108 <INVESTMENTS-CARRYING> 2,222 <INVESTMENTS-MARKET> 2,235 <LOANS> 34,306 <ALLOWANCE> 219 <TOTAL-ASSETS> 40,522 <DEPOSITS> 34,968 <SHORT-TERM> 300 <LIABILITIES-OTHER> 251 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 5,003 <TOTAL-LIABILITIES-AND-EQUITY> 40,522 <INTEREST-LOAN> 1,439 <INTEREST-INVEST> 77 <INTEREST-OTHER> 64 <INTEREST-TOTAL> 1,580 <INTEREST-DEPOSIT> 757 <INTEREST-EXPENSE> 799 <INTEREST-INCOME-NET> 781 <LOAN-LOSSES> 18 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 578 <INCOME-PRETAX> 225 <INCOME-PRE-EXTRAORDINARY> 144 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 144 <EPS-PRIMARY> .32 <EPS-DILUTED> .31 <YIELD-ACTUAL> 4.07 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 201 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 219 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 219