<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-END>                                   SEP-30-1997
<CASH>                                                  89
<INT-BEARING-DEPOSITS>                               1,204
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         19,155
<INVESTMENTS-CARRYING>                              19,038
<INVESTMENTS-MARKET>                                 9,067
<LOANS>                                             28,636
<ALLOWANCE>                                            302
<TOTAL-ASSETS>                                      59,952
<DEPOSITS>                                          29,506
<SHORT-TERM>                                        13,700
<LIABILITIES-OTHER>                                    534
<LONG-TERM>                                          2,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               106
<OTHER-SE>                                          14,104
<TOTAL-LIABILITIES-AND-EQUITY>                      59,952
<INTEREST-LOAN>                                      2,277
<INTEREST-INVEST>                                    1,590
<INTEREST-OTHER>                                        74
<INTEREST-TOTAL>                                     3,941
<INTEREST-DEPOSIT>                                   1,423
<INTEREST-EXPENSE>                                   1,983
<INTEREST-INCOME-NET>                                1,957
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                      (8)
<EXPENSE-OTHER>                                        989
<INCOME-PRETAX>                                      1,033
<INCOME-PRE-EXTRAORDINARY>                           1,033
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           691
<EPS-PRIMARY>                                         0.73
<EPS-DILUTED>                                         0.73
<YIELD-ACTUAL>                                        3.71
<LOANS-NON>                                            225
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       276
<CHARGE-OFFS>                                            4
<RECOVERIES>                                            30
<ALLOWANCE-CLOSE>                                      302
<ALLOWANCE-DOMESTIC>                                   302
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>