<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FIRST QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
10-Q.
</LEGEND>
       
<S>                                                                  <C>
<MULTIPLIER> 1,000
<PERIOD-TYPE>                                                              3-MOS
<FISCAL-YEAR-END>                                                    SEP-30-1996
<PERIOD-END>                                                         DEC-31-1996
<CASH>                                                                     4,312
<INT-BEARING-DEPOSITS>                                                         0
<FED-FUNDS-SOLD>                                                          12,764
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                              132,459
<INVESTMENTS-CARRYING>                                                    16,333
<INVESTMENTS-MARKET>                                                      16,407
<LOANS>                                                                  488,591
<ALLOWANCE>                                                                  958
<TOTAL-ASSETS>                                                           673,094
<DEPOSITS>                                                               401,813
<SHORT-TERM>                                                              83,998
<LIABILITIES-OTHER>                                                        9,724
<LONG-TERM>                                                               25,000
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                     114
<OTHER-SE>                                                               152,446
<TOTAL-LIABILITIES-AND-EQUITY>                                           673,094
<INTEREST-LOAN>                                                            9,606
<INTEREST-INVEST>                                                          2,692
<INTEREST-OTHER>                                                             304
<INTEREST-TOTAL>                                                          12,603
<INTEREST-DEPOSIT>                                                         5,146
<INTEREST-EXPENSE>                                                         6,916
<INTEREST-INCOME-NET>                                                      5,657
<LOAN-LOSSES>                                                                 30
<SECURITIES-GAINS>                                                          (12)
<EXPENSE-OTHER>                                                            2,589
<INCOME-PRETAX>                                                            3,165
<INCOME-PRE-EXTRAORDINARY>                                                 3,165
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               1,913
<EPS-PRIMARY>                                                                .19
<EPS-DILUTED>                                                                .19
<YIELD-ACTUAL>                                                              2.16
<LOANS-NON>                                                                  214
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               9
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             928
<CHARGE-OFFS>                                                                  0
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                            958
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      958


        

</TABLE>