<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-START>                             OCT-01-1995
<PERIOD-END>                               JUN-30-1996
<CASH>                                             506
<INT-BEARING-DEPOSITS>                            (138)
<FED-FUNDS-SOLD>                                   600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     44,114
<INVESTMENTS-CARRYING>                          15,030
<INVESTMENTS-MARKET>                            14,802
<LOANS>                                        112,468
<ALLOWANCE>                                        403
<TOTAL-ASSETS>                                 178,290
<DEPOSITS>                                     127,456
<SHORT-TERM>                                     1,700
<LIABILITIES-OTHER>                              1,033
<LONG-TERM>                                     14,344
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      33,757
<TOTAL-LIABILITIES-AND-EQUITY>                 178,290
<INTEREST-LOAN>                                  6,502
<INTEREST-INVEST>                                2,676
<INTEREST-OTHER>                                   160
<INTEREST-TOTAL>                                 9,338
<INTEREST-DEPOSIT>                               4,619
<INTEREST-EXPENSE>                               4,987
<INTEREST-INCOME-NET>                            4,351
<LOAN-LOSSES>                                       70
<SECURITIES-GAINS>                                 214
<EXPENSE-OTHER>                                  2,741
<INCOME-PRETAX>                                  1,926
<INCOME-PRE-EXTRAORDINARY>                       1,266
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,266
<EPS-PRIMARY>                                      .56
<EPS-DILUTED>                                      .55
<YIELD-ACTUAL>                                    3.58
<LOANS-NON>                                        306
<LOANS-PAST>                                       380
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   333
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  403
<ALLOWANCE-DOMESTIC>                               149
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            254
        

</TABLE>