<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS 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-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               SEP-30-1997
<CASH>                                             667
<INT-BEARING-DEPOSITS>                           1,436
<FED-FUNDS-SOLD>                                 3,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     53,362
<INVESTMENTS-CARRYING>                          15,380
<INVESTMENTS-MARKET>                            15,315
<LOANS>                                        127,396
<ALLOWANCE>                                        562
<TOTAL-ASSETS>                                 209,958
<DEPOSITS>                                     142,832
<SHORT-TERM>                                     1,600
<LIABILITIES-OTHER>                              1,171
<LONG-TERM>                                     37,970
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      26,385
<TOTAL-LIABILITIES-AND-EQUITY>                 209,958
<INTEREST-LOAN>                                  9,579
<INTEREST-INVEST>                                4,135
<INTEREST-OTHER>                                    59
<INTEREST-TOTAL>                                13,773
<INTEREST-DEPOSIT>                               6,749
<INTEREST-EXPENSE>                               8,149
<INTEREST-INCOME-NET>                            5,624
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                 115
<EXPENSE-OTHER>                                  3,959
<INCOME-PRETAX>                                  2,087
<INCOME-PRE-EXTRAORDINARY>                       2,087
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,378
<EPS-PRIMARY>                                      .65
<EPS-DILUTED>                                      .65
<YIELD-ACTUAL>                                    3.08
<LOANS-NON>                                        348
<LOANS-PAST>                                       276
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   487
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  562
<ALLOWANCE-DOMESTIC>                               347
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            215
        

</TABLE>