<TABLE> <S> <C>

<ARTICLE> 9
<CURRENCY> U.S. DOLLARS
<MULTIPLIER>  1000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               DEC-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                             603
<INT-BEARING-DEPOSITS>                             600
<FED-FUNDS-SOLD>                                  2508
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                        805
<INVESTMENTS-CARRYING>                          16,414<F1>
<INVESTMENTS-MARKET>                            16,481
<LOANS>                                         23,639
<ALLOWANCE>                                         52
<TOTAL-ASSETS>                                  45,729
<DEPOSITS>                                      37,425
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                655
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                       7,649<F2>
<TOTAL-LIABILITIES-AND-EQUITY>                  45,729
<INTEREST-LOAN>                                    460
<INTEREST-INVEST>                                  181<F3>
<INTEREST-OTHER>                                   157
<INTEREST-TOTAL>                                   798
<INTEREST-DEPOSIT>                                 426
<INTEREST-EXPENSE>                                 426
<INTEREST-INCOME-NET>                              372
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    262
<INCOME-PRETAX>                                    112
<INCOME-PRE-EXTRAORDINARY>                          74
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        74
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    3.35
<LOANS-NON>                                          0
<LOANS-PAST>                                       451
<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> Includes net unrealized gain on securities.
<F3> Includes interest from mortgage-backed securities.
</FN>
        


</TABLE>