<TABLE> <S> <C>



<ARTICLE>                                            9
<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              SEP-30-1996
<PERIOD-END>                                   SEP-30-1996
<CASH>                                               474
<INT-BEARING-DEPOSITS>                               483
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                        4,138<F1>
<INVESTMENTS-CARRYING>                            75,276<F2>
<INVESTMENTS-MARKET>                              74,639<F3>
<LOANS>                                          129,903
<ALLOWANCE>                                          740
<TOTAL-ASSETS>                                   213,734
<DEPOSITS>                                       143,815
<SHORT-TERM>                                      28,167
<LIABILITIES-OTHER>                                4,063
<LONG-TERM>                                        5,300
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                             228
<OTHER-SE>                                        23,161
<TOTAL-LIABILITIES-AND-EQUITY>                   213,734
<INTEREST-LOAN>                                    9,077
<INTEREST-INVEST>                                  5,498
<INTEREST-OTHER>                                       0
<INTEREST-TOTAL>                                  14,575
<INTEREST-DEPOSIT>                                 7,442
<INTEREST-EXPENSE>                                 8,678
<INTEREST-INCOME-NET>                              5,896
<LOAN-LOSSES>                                        135
<SECURITIES-GAINS>                                    27
<EXPENSE-OTHER>                                    4,323
<INCOME-PRETAX>                                    2,184
<INCOME-PRE-EXTRAORDINARY>                         1,404
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       1,404
<EPS-PRIMARY>                                        .72
<EPS-DILUTED>                                        .72
<YIELD-ACTUAL>                                      3.01
<LOANS-NON>                                          127
<LOANS-PAST>                                         190
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                     644
<CHARGE-OFFS>                                         39
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                                    740
<ALLOWANCE-DOMESTIC>                                 740
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0
<FN>
<F1> AVAILABLE FOR SALE
<F2> HELD TO MATURITY
<F3> HELD TO MATURITY
</FN>
        


</TABLE>