<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT  ON FORM  10-K  FOR THE  FISCAL  YEAR  ENDED  SEPTEMBER  30,  1997 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                     1,000
       
<S>                                            <C>
<PERIOD-TYPE>                                     YEAR
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               SEP-30-1997
<CASH>                                           2,046
<INT-BEARING-DEPOSITS>                           1,547
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     86,286
<INVESTMENTS-CARRYING>                          76,329
<INVESTMENTS-MARKET>                            85,336
<LOANS>                                        119,776
<ALLOWANCE>                                     (1,093)
<TOTAL-ASSETS>                                 312,956
<DEPOSITS>                                     207,933
<SHORT-TERM>                                    60,096
<LIABILITIES-OTHER>                              1,049
<LONG-TERM>                                          0
<COMMON>                                            36
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      43,842
<TOTAL-LIABILITIES-AND-EQUITY>                 312,956
<INTEREST-LOAN>                                  8,603
<INTEREST-INVEST>                               11,733
<INTEREST-OTHER>                                   395
<INTEREST-TOTAL>                                20,731
<INTEREST-DEPOSIT>                               7,922
<INTEREST-EXPENSE>                               9,957
<INTEREST-INCOME-NET>                           10,774
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                 (48)
<EXPENSE-OTHER>                                  6,319
<INCOME-PRETAX>                                  4,942
<INCOME-PRE-EXTRAORDINARY>                       4,942
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,952
<EPS-PRIMARY>                                     1.02
<EPS-DILUTED>                                     1.02
<YIELD-ACTUAL>                                    7.56
<LOANS-NON>                                      1,138
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    604
<ALLOWANCE-OPEN>                                  (937)
<CHARGE-OFFS>                                      157
<RECOVERIES>                                       (13)
<ALLOWANCE-CLOSE>                               (1,093)
<ALLOWANCE-DOMESTIC>                            (1,093)
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>