<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>                   12-MOS
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-START>                             OCT-01-1995
<PERIOD-END>                               SEP-30-1996
<CASH>                                             492
<INT-BEARING-DEPOSITS>                           (191)
<FED-FUNDS-SOLD>                                 1,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     42,531
<INVESTMENTS-CARRYING>                          14,502
<INVESTMENTS-MARKET>                            14,291
<LOANS>                                        116,749
<ALLOWANCE>                                        487
<TOTAL-ASSETS>                                 180,831
<DEPOSITS>                                     128,554
<SHORT-TERM>                                     3,200
<LIABILITIES-OTHER>                              1,020
<LONG-TERM>                                     14,289
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      24,952
<TOTAL-LIABILITIES-AND-EQUITY>                 180,831
<INTEREST-LOAN>                                  8,859
<INTEREST-INVEST>                                3,624
<INTEREST-OTHER>                                   183
<INTEREST-TOTAL>                                12,665
<INTEREST-DEPOSIT>                               6,199
<INTEREST-EXPENSE>                               6,819
<INTEREST-INCOME-NET>                            5,847
<LOAN-LOSSES>                                      154
<SECURITIES-GAINS>                                 226
<EXPENSE-OTHER>                                  4,410
<INCOME-PRETAX>                                  1,739
<INCOME-PRE-EXTRAORDINARY>                       1,144
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,144
<EPS-PRIMARY>                                      .51
<EPS-DILUTED>                                      .50
<YIELD-ACTUAL>                                    3.51
<LOANS-NON>                                        312
<LOANS-PAST>                                       285
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   333
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  487
<ALLOWANCE-DOMESTIC>                               323
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            164
        

</TABLE>