<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-END>                                   SEP-30-1997
<CASH>                                                 215
<INT-BEARING-DEPOSITS>                                 890
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         12,963
<INVESTMENTS-CARRYING>                               7,405
<INVESTMENTS-MARKET>                                 7,470
<LOANS>                                             45,741
<ALLOWANCE>                                            861
<TOTAL-ASSETS>                                      68,546
<DEPOSITS>                                          55,184
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  1,295
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               101
<OTHER-SE>                                          11,967
<TOTAL-LIABILITIES-AND-EQUITY>                      68,546
<INTEREST-LOAN>                                      3,817
<INTEREST-INVEST>                                    1,348
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     5,165
<INTEREST-DEPOSIT>                                   2,502
<INTEREST-EXPENSE>                                   2,502
<INTEREST-INCOME-NET>                                2,663
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,668
<INCOME-PRETAX>                                      1,198
<INCOME-PRE-EXTRAORDINARY>                             740
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           740
<EPS-PRIMARY>                                         0.96
<EPS-DILUTED>                                         0.92
<YIELD-ACTUAL>                                        7.76
<LOANS-NON>                                            201
<LOANS-PAST>                                            33
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      1,456
<ALLOWANCE-OPEN>                                       877
<CHARGE-OFFS>                                           17
<RECOVERIES>                                             1
<ALLOWANCE-CLOSE>                                      861
<ALLOWANCE-DOMESTIC>                                   861
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                695
        


</TABLE>