<TABLE> <S> <C>


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<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-END>                                   SEP-30-1997
<CASH>                                                 555
<INT-BEARING-DEPOSITS>                              29,415
<FED-FUNDS-SOLD>                                     3,118
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                              14,671
<INVESTMENTS-MARKET>                                14,726
<LOANS>                                            131,662
<ALLOWANCE>                                            255
<TOTAL-ASSETS>                                     177,962
<DEPOSITS>                                         112,642
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  2,374
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                          41,816
<TOTAL-LIABILITIES-AND-EQUITY>                     177,962
<INTEREST-LOAN>                                     10,202
<INTEREST-INVEST>                                    2,815
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                    13,017
<INTEREST-DEPOSIT>                                   5,377
<INTEREST-EXPENSE>                                   5,377
<INTEREST-INCOME-NET>                                7,640
<LOAN-LOSSES>                                           20
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      3,231
<INCOME-PRETAX>                                      4,493
<INCOME-PRE-EXTRAORDINARY>                           2,777
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,777
<EPS-PRIMARY>                                          .67
<EPS-DILUTED>                                          .67
<YIELD-ACTUAL>                                        4.40
<LOANS-NON>                                            173
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       235
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      255
<ALLOWANCE-DOMESTIC>                                   255
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>