<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               SEP-30-1997
<EXCHANGE-RATE>                                      1
<CASH>                                             550
<INT-BEARING-DEPOSITS>                             204
<FED-FUNDS-SOLD>                                 1,494
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      1,029
<INVESTMENTS-CARRYING>                          25,215<F1>
<INVESTMENTS-MARKET>                            25,344
<LOANS>                                         26,502
<ALLOWANCE>                                         52
<TOTAL-ASSETS>                                  56,121
<DEPOSITS>                                      35,303
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                923
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      19,895<F2>
<TOTAL-LIABILITIES-AND-EQUITY>                  56,121<F3>
<INTEREST-LOAN>                                  1,974
<INTEREST-INVEST>                                  833
<INTEREST-OTHER>                                   706
<INTEREST-TOTAL>                                 3,513
<INTEREST-DEPOSIT>                               1,689
<INTEREST-EXPENSE>                               1,689
<INTEREST-INCOME-NET>                            1,824
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,069
<INCOME-PRETAX>                                    761
<INCOME-PRE-EXTRAORDINARY>                         502
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       502
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    3.67
<LOANS-NON>                                          0
<LOANS-PAST>                                       191
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                    52
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                   52
<ALLOWANCE-DOMESTIC>                                 2
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             50
<FN>
<F1>Includes certificates of deposit.
<F2>Incudes net-unrealized gains on securities, additional paid-in-capital
and shares acquired by ESOP.
<F3>Includes interest from mortgage-backed securities.
</FN>
        

</TABLE>