<TABLE> <S> <C>

<ARTICLE>                                                    9
<MULTIPLIER>                                             1,000
       
<S>                                                        <C>
<PERIOD-TYPE>                                            3-MOS
<FISCAL-YEAR-END>                                  SEP-30-1997
<PERIOD-END>                                       DEC-31-1996
<CASH>                                                   4,095
<INT-BEARING-DEPOSITS>                                       0
<FED-FUNDS-SOLD>                                        12,200
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                            117,519
<INVESTMENTS-CARRYING>                                  12,068
<INVESTMENTS-MARKET>                                    12,262
<LOANS>                                                125,629
<ALLOWANCE>                                              1,826
<TOTAL-ASSETS>                                         275,625
<DEPOSITS>                                             194,264
<SHORT-TERM>                                                 0
<LIABILITIES-OTHER>                                      4,544
<LONG-TERM>                                                  0
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                                    57
<OTHER-SE>                                              76,760
<TOTAL-LIABILITIES-AND-EQUITY>                         275,625
<INTEREST-LOAN>                                          2,543
<INTEREST-INVEST>                                        1,984
<INTEREST-OTHER>                                           450
<INTEREST-TOTAL>                                         4,977
<INTEREST-DEPOSIT>                                       2,136
<INTEREST-EXPENSE>                                       2,136
<INTEREST-INCOME-NET>                                    2,841
<LOAN-LOSSES>                                               75
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                          1,171
<INCOME-PRETAX>                                          1,772
<INCOME-PRE-EXTRAORDINARY>                               1,772
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             1,066
<EPS-PRIMARY>                                              .21
<EPS-DILUTED>                                              .21
<YIELD-ACTUAL>                                            4.13
<LOANS-NON>                                                829
<LOANS-PAST>                                                 0 
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                          2,000
<ALLOWANCE-OPEN>                                         1,833
<CHARGE-OFFS>                                               87
<RECOVERIES>                                                 5
<ALLOWANCE-CLOSE>                                        1,826
<ALLOWANCE-DOMESTIC>                                       823
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                    803
        

</TABLE>