<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-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               JUN-30-1997
<CASH>                                             508
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     55,598
<INVESTMENTS-CARRYING>                          16,404
<INVESTMENTS-MARKET>                            16,266
<LOANS>                                        120,365
<ALLOWANCE>                                        560
<TOTAL-ASSETS>                                 200,238
<DEPOSITS>                                     138,683
<SHORT-TERM>                                     2,700
<LIABILITIES-OTHER>                              1,665
<LONG-TERM>                                     30,927
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      26,264
<TOTAL-LIABILITIES-AND-EQUITY>                 200,238
<INTEREST-LOAN>                                  7,029
<INTEREST-INVEST>                                2,885
<INTEREST-OTHER>                                   127
<INTEREST-TOTAL>                                10,041
<INTEREST-DEPOSIT>                               4,952
<INTEREST-EXPENSE>                               5,840
<INTEREST-INCOME-NET>                            4,201
<LOAN-LOSSES>                                       73
<SECURITIES-GAINS>                                  78
<EXPENSE-OTHER>                                  2,943
<INCOME-PRETAX>                                  1,565
<INCOME-PRE-EXTRAORDINARY>                       1,034
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,034
<EPS-PRIMARY>                                      .49
<EPS-DILUTED>                                      .48
<YIELD-ACTUAL>                                    3.16
<LOANS-NON>                                        306
<LOANS-PAST>                                       342
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   487
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  560
<ALLOWANCE-DOMESTIC>                               325
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            235
        

</TABLE>