<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 30,1996
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                                                  <C>
<PERIOD-TYPE>                                     YEAR
<FISCAL-YEAR-END>                                 MAR-30-1997
<PERIOD-END>                                      SEP-30-1996
<CASH>                                                  2,152
<INT-BEARING-DEPOSITS>                                    100
<FED-FUNDS-SOLD>                                            0
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                            58,552
<INVESTMENTS-CARRYING>                                 95,007
<INVESTMENTS-MARKET>                                   94,162
<LOANS>                                                87,603
<ALLOWANCE>                                              (937)
<TOTAL-ASSETS>                                        259,534
<DEPOSITS>                                            190,675
<SHORT-TERM>                                           18,264
<LIABILITIES-OTHER>                                     1,596
<LONG-TERM>                                                 0
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                               34,632
<OTHER-SE>                                             14,367
<TOTAL-LIABILITIES-AND-EQUITY>                        259,534
<INTEREST-LOAN>                                         7,471
<INTEREST-INVEST>                                       8,153
<INTEREST-OTHER>                                          752
<INTEREST-TOTAL>                                       16,376
<INTEREST-DEPOSIT>                                      7,780
<INTEREST-EXPENSE>                                      7,975
<INTEREST-INCOME-NET>                                   8,401
<LOAN-LOSSES>                                             462
<SECURITIES-GAINS>                                          0
<EXPENSE-OTHER>                                         6,204
<INCOME-PRETAX>                                         2,437
<INCOME-PRE-EXTRAORDINARY>                              2,437
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                            1,520
<EPS-PRIMARY>                                            0.22
<EPS-DILUTED>                                            0.22
<YIELD-ACTUAL>                                           3.73
<LOANS-NON>                                             2,775
<LOANS-PAST>                                                0
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                           919
<ALLOWANCE-OPEN>                                         (719)
<CHARGE-OFFS>                                             333
<RECOVERIES>                                              (89)
<ALLOWANCE-CLOSE>                                        (937)
<ALLOWANCE-DOMESTIC>                                     (937)
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                     0
        









</TABLE>