<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-K AND IS 
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-START>                             OCT-01-1995
<PERIOD-END>                               SEP-30-1996
<CASH>                                       1,585,654
<INT-BEARING-DEPOSITS>                       3,109,623
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    777,174
<INVESTMENTS-CARRYING>                      13,937,301
<INVESTMENTS-MARKET>                        14,172,721
<LOANS>                                     70,881,211
<ALLOWANCE>                                     94,360
<TOTAL-ASSETS>                              92,235,297
<DEPOSITS>                                  79,830,835
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            979,016
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0<F1>
<OTHER-SE>                                  11,425,446
<TOTAL-LIABILITIES-AND-EQUITY>              92,235,297
<INTEREST-LOAN>                              5,228,671
<INTEREST-INVEST>                            1,241,612
<INTEREST-OTHER>                               227,073
<INTEREST-TOTAL>                             6,697,356
<INTEREST-DEPOSIT>                           3,996,351
<INTEREST-EXPENSE>                           3,996,351
<INTEREST-INCOME-NET>                        2,701,005
<LOAN-LOSSES>                                    2,000
<SECURITIES-GAINS>                               8,259
<EXPENSE-OTHER>                              1,953,930
<INCOME-PRETAX>                                977,546
<INCOME-PRE-EXTRAORDINARY>                     977,546
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   644,296
<EPS-PRIMARY>                                        0<F1>
<EPS-DILUTED>                                        0<F1>
<YIELD-ACTUAL>                                    3.06
<LOANS-NON>                                    583,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                543,000
<ALLOWANCE-OPEN>                                92,000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                               94,000
<ALLOWANCE-DOMESTIC>                            84,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         10,000
        
<FN> 
<F1>The Association converted from mutual to stock form on November 20, 1996, 
after the end of the fiscal year.
</FN> 

</TABLE>