<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-KSB FOR THE YEAR ENDED  SEPTEMBER 30, 1996 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>          1
       
<S>                                       <C>
<PERIOD-TYPE>                                 12-MOS
<FISCAL-YEAR-END>                         SEP-30-1996
<PERIOD-END>                              SEP-30-1996
<CASH>                                                          151,081
<INT-BEARING-DEPOSITS>                                          234,282
<FED-FUNDS-SOLD>                                                      0
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                  11,258,322
<INVESTMENTS-CARRYING>                                                0
<INVESTMENTS-MARKET>                                                  0
<LOANS>                                                      39,856,672
<ALLOWANCE>                                                     580,358
<TOTAL-ASSETS>                                               56,856,656
<DEPOSITS>                                                   41,985,963
<SHORT-TERM>                                                  6,300,000
<LIABILITIES-OTHER>                                             606,123
<LONG-TERM>                                                   1,261,322
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<COMMON>                                                      2,481,874
<OTHER-SE>                                                    4,221,374
<TOTAL-LIABILITIES-AND-EQUITY>                               56,856,656
<INTEREST-LOAN>                                               3,088,003
<INTEREST-INVEST>                                               927,791
<INTEREST-OTHER>                                                      0
<INTEREST-TOTAL>                                              4,015,794
<INTEREST-DEPOSIT>                                            1,964,963
<INTEREST-EXPENSE>                                              258,123
<INTEREST-INCOME-NET>                                         1,792,708
<LOAN-LOSSES>                                                   214,000
<SECURITIES-GAINS>                                                    0
<EXPENSE-OTHER>                                               1,521,637
<INCOME-PRETAX>                                                 103,672
<INCOME-PRE-EXTRAORDINARY>                                      103,672
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                     54,217
<EPS-PRIMARY>                                                       .13
<EPS-DILUTED>                                                       .13
<YIELD-ACTUAL>                                                        0
<LOANS-NON>                                                     802,651
<LOANS-PAST>                                                  1,243,429
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                 487,000
<ALLOWANCE-OPEN>                                                389,091
<CHARGE-OFFS>                                                    22,733
<RECOVERIES>                                                          0
<ALLOWANCE-CLOSE>                                               580,358
<ALLOWANCE-DOMESTIC>                                            580,358
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                               0
        


</TABLE>