<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>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                             922
<INT-BEARING-DEPOSITS>                             399
<FED-FUNDS-SOLD>                                 2,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     41,610
<INVESTMENTS-CARRYING>                          13,878
<INVESTMENTS-MARKET>                            13,729
<LOANS>                                        110,228
<ALLOWANCE>                                        507
<TOTAL-ASSETS>                                 175,706
<DEPOSITS>                                     131,910
<SHORT-TERM>                                     1,000
<LIABILITIES-OTHER>                                491
<LONG-TERM>                                     14,734
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      27,092
<TOTAL-LIABILITIES-AND-EQUITY>                 175,706
<INTEREST-LOAN>                                  2,369
<INTEREST-INVEST>                                  908
<INTEREST-OTHER>                                    24
<INTEREST-TOTAL>                                 3,301
<INTEREST-DEPOSIT>                               1,618
<INTEREST-EXPENSE>                               1,883
<INTEREST-INCOME-NET>                            1,418
<LOAN-LOSSES>                                       20
<SECURITIES-GAINS>                                  33
<EXPENSE-OTHER>                                  1,010
<INCOME-PRETAX>                                    599
<INCOME-PRE-EXTRAORDINARY>                         395
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       395
<EPS-PRIMARY>                                      .18
<EPS-DILUTED>                                      .18
<YIELD-ACTUAL>                                    3.24
<LOANS-NON>                                        306
<LOANS-PAST>                                       276
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   487
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  507
<ALLOWANCE-DOMESTIC>                               312
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            195
        

</TABLE>