<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REORT  ON FORM  10-K AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO SUCH
FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-END>                                   SEP-30-1997
<CASH>                                               1,387
<INT-BEARING-DEPOSITS>                              15,940
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                             114,189
<INVESTMENTS-MARKET>                               114,451
<LOANS>                                            247,670
<ALLOWANCE>                                            465
<TOTAL-ASSETS>                                     405,262
<DEPOSITS>                                         236,333
<SHORT-TERM>                                        80,800
<LIABILITIES-OTHER>                                  4,147
<LONG-TERM>                                         41,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               225
<OTHER-SE>                                          39,757
<TOTAL-LIABILITIES-AND-EQUITY>                     405,262
<INTEREST-LOAN>                                     15,991
<INTEREST-INVEST>                                    9,836
<INTEREST-OTHER>                                       220
<INTEREST-TOTAL>                                    26,047
<INTEREST-DEPOSIT>                                  10,918
<INTEREST-EXPENSE>                                   5,916
<INTEREST-INCOME-NET>                                9,213
<LOAN-LOSSES>                                          143
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      9,742
<INCOME-PRETAX>                                      6,847
<INCOME-PRE-EXTRAORDINARY>                           6,847
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         4,170
<EPS-PRIMARY>                                         2.15
<EPS-DILUTED>                                         2.15
<YIELD-ACTUAL>                                        2.64
<LOANS-NON>                                            932
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       421
<CHARGE-OFFS>                                          117
<RECOVERIES>                                            18
<ALLOWANCE-CLOSE>                                      465
<ALLOWANCE-DOMESTIC>                                   465
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>