<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>                  
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION EXTRACTED FROM THE INTERIM
CONSOLIDATED  FINANCIAL  STATEMENTS INCLUDED IN THE REGISTRANT'S FORM 10-QSB FOR
THE  QUARTER  ENDED  SEPTEMBER  30,  1996 AND IS  QUALIFIED  IN ITS  ENTIRETY BY
REFERENCE TO SUCH FORM 10-QSB.
</LEGEND>
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-END>                                   DEC-31-1996
<CASH>                                                 76
<INT-BEARING-DEPOSITS>                              1,015
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        13,695
<INVESTMENTS-CARRYING>                              9,831
<INVESTMENTS-MARKET>                                9,809
<LOANS>                                            26,637
<ALLOWANCE>                                           286
<TOTAL-ASSETS>                                     52,593
<DEPOSITS>                                         29,069
<SHORT-TERM>                                        6,285
<LIABILITIES-OTHER>                                   387
<LONG-TERM>                                         1,200
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                              106
<OTHER-SE>                                         15,546
<TOTAL-LIABILITIES-AND-EQUITY>                     52,593
<INTEREST-LOAN>                                       552
<INTEREST-INVEST>                                     397
<INTEREST-OTHER>                                       13
<INTEREST-TOTAL>                                      962
<INTEREST-DEPOSIT>                                    355
<INTEREST-EXPENSE>                                    457
<INTEREST-INCOME-NET>                                 505
<LOAN-LOSSES>                                           0
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                       277
<INCOME-PRETAX>                                       244
<INCOME-PRE-EXTRAORDINARY>                            161
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                          161
<EPS-PRIMARY>                                        0.16
<EPS-DILUTED>                                        0.16
<YIELD-ACTUAL>                                       3.93
<LOANS-NON>                                            90
<LOANS-PAST>                                           90
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                      276
<CHARGE-OFFS>                                           0
<RECOVERIES>                                           10
<ALLOWANCE-CLOSE>                                     286
<ALLOWANCE-DOMESTIC>                                  286
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0
        


</TABLE>