<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
STATEMENTS OF FINANCIAL CONDITION OF THE COMPANY AS OF DECEMBER 31,
1996 AND THE RELATED CONSOLIDATED STATEMENTS OF EARNINGS AND CASH FLOWS FOR THE
QUARTER ENDED DECEMBER 31, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.

</LEGEND>
<MULTIPLIER>1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           4,029
<INT-BEARING-DEPOSITS>                               3
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     19,612
<INVESTMENTS-CARRYING>                             154
<INVESTMENTS-MARKET>                               154
<LOANS>                                         66,222
<ALLOWANCE>                                        251
<TOTAL-ASSETS>                                  93,110
<DEPOSITS>                                      64,696
<SHORT-TERM>                                     8,318
<LIABILITIES-OTHER>                              1,384
<LONG-TERM>                                      5,690
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             9
<OTHER-SE>                                      13,021
<TOTAL-LIABILITIES-AND-EQUITY>                  93,110
<INTEREST-LOAN>                                  1,366
<INTEREST-INVEST>                                  379
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 1,745
<INTEREST-DEPOSIT>                                 732
<INTEREST-EXPENSE>                                 938
<INTEREST-INCOME-NET>                              807
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                 (23)
<EXPENSE-OTHER>                                    782
<INCOME-PRETAX>                                    209
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       127
<EPS-PRIMARY>                                      .15
<EPS-DILUTED>                                      .15
<YIELD-ACTUAL>                                    8.03
<LOANS-NON>                                        490
<LOANS-PAST>                                       356
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   251
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  251
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>