<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>

                  Appendix C to Item 601(c) of Regulation S-K
              (Article 9 of Regulation S-X Bank Holding Companies
                     and Savings & Loan Holding Companies)
     This schedule contains summary financial information extracted from the
registrants financial statements at and for the period ended September 30, 1996
  and is qualified in its entirety by reference to such financial statements.
                                 (In Thousands)
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-START>                              OCT-1-1995
<PERIOD-END>                               SEP-30-1996
<CASH>                                           1,804
<INT-BEARING-DEPOSITS>                           2,150
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     22,284
<INVESTMENTS-CARRYING>                          96,214
<INVESTMENTS-MARKET>                            95,145
<LOANS>                                        118,505
<ALLOWANCE>                                      3,669
<TOTAL-ASSETS>                                 249,776
<DEPOSITS>                                     204,500
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,507
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,621
<OTHER-SE>                                      12,020
<TOTAL-LIABILITIES-AND-EQUITY>                 249,776
<INTEREST-LOAN>                                  9,740
<INTEREST-INVEST>                                6,980
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                16,719
<INTEREST-DEPOSIT>                               9,310
<INTEREST-EXPENSE>                               9,311
<INTEREST-INCOME-NET>                            7,409
<LOAN-LOSSES>                                      660
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,102
<INCOME-PRETAX>                                    419
<INCOME-PRE-EXTRAORDINARY>                         419
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       265
<EPS-PRIMARY>                                      .03
<EPS-DILUTED>                                      .03
<YIELD-ACTUAL>                                    7.34
<LOANS-NON>                                      2,343
<LOANS-PAST>                                     2,343
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  4,598
<ALLOWANCE-OPEN>                                 5,061
<CHARGE-OFFS>                                    2,052
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                3,669
<ALLOWANCE-DOMESTIC>                             3,669
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>