<TABLE> <S> <C>


<ARTICLE>                                               9            
<MULTIPLIER>                                        1,000
       
<S>                                                 <C>
<PERIOD-TYPE>                                        9-MOS
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-START>                                 OCT-01-1996
<PERIOD-END>                                   JUN-30-1997
<CASH>                                               1,502
<INT-BEARING-DEPOSITS>                               1,061
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          3,618
<INVESTMENTS-CARRYING>                              28,062
<INVESTMENTS-MARKET>                                27,838
<LOANS>                                            273,666
<ALLOWANCE>                                            872
<TOTAL-ASSETS>                                     317,392
<DEPOSITS>                                         234,140
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  2,798
<LONG-TERM>                                         57,897
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                          22,557
<TOTAL-LIABILITIES-AND-EQUITY>                     317,392
<INTEREST-LOAN>                                     16,507
<INTEREST-INVEST>                                      824
<INTEREST-OTHER>                                       768
<INTEREST-TOTAL>                                    18,099
<INTEREST-DEPOSIT>                                   8,836
<INTEREST-EXPENSE>                                  11,030
<INTEREST-INCOME-NET>                                7,069
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                      36
<EXPENSE-OTHER>                                      4,325
<INCOME-PRETAX>                                      3,566
<INCOME-PRE-EXTRAORDINARY>                           2,347
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,347
<EPS-PRIMARY>                                          .59
<EPS-DILUTED>                                          .58
<YIELD-ACTUAL>                                        3.21
<LOANS-NON>                                            396
<LOANS-PAST>                                           201
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                        385
<ALLOWANCE-OPEN>                                       857
<CHARGE-OFFS>                                            5
<RECOVERIES>                                            20
<ALLOWANCE-CLOSE>                                      872
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                872
        



</TABLE>