<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
       
<S>                                                                          <C>
<PERIOD-TYPE>                                                               YEAR
<FISCAL-YEAR-END>                                                    SEP-30-1997
<PERIOD-START>                                                       OCT-01-1996
<PERIOD-END>                                                         SEP-30-1997
<CASH>                                                                       558
<INT-BEARING-DEPOSITS>                                                     2,106
<FED-FUNDS-SOLD>                                                           2,600
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               40,505
<INVESTMENTS-CARRYING>                                                         0
<INVESTMENTS-MARKET>                                                           0
<LOANS>                                                                   45,229
<ALLOWANCE>                                                                  115
<TOTAL-ASSETS>                                                            93,832
<DEPOSITS>                                                                58,786
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                          702
<LONG-TERM>                                                               24,000
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                10,344
<TOTAL-LIABILITIES-AND-EQUITY>                                            93,832
<INTEREST-LOAN>                                                            3,457
<INTEREST-INVEST>                                                          2,329
<INTEREST-OTHER>                                                             197
<INTEREST-TOTAL>                                                           5,983
<INTEREST-DEPOSIT>                                                         2,786
<INTEREST-EXPENSE>                                                         3,689
<INTEREST-INCOME-NET>                                                      2,294
<LOAN-LOSSES>                                                                  9
<SECURITIES-GAINS>                                                             7
<EXPENSE-OTHER>                                                            1,409
<INCOME-PRETAX>                                                              940
<INCOME-PRE-EXTRAORDINARY>                                                   627
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 627
<EPS-PRIMARY>                                                                .71
<EPS-DILUTED>                                                                .70
<YIELD-ACTUAL>                                                              2.76
<LOANS-NON>                                                                   95
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             111
<CHARGE-OFFS>                                                                  5
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                            115
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      115
        



</TABLE>