<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the 
annual report on Form 10-KSB and is qualified in its entirety by reference to 
such financial information.
</LEGEND>
                  
<MULTIPLIER>                            1,000       

       
<S>                                          <C>
<PERIOD-TYPE>                                12-MOS  
<FISCAL-YEAR-END>                            SEP-30-1997  
<PERIOD-END>                                 SEP-30-1997
<CASH>                                         2,141 
<INT-BEARING-DEPOSITS>                         2,173
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                    7,123
<INVESTMENTS-CARRYING>                        55,527 <F1>
<INVESTMENTS-MARKET>                          55,841 <F1>
<LOANS>                                      158,163
<ALLOWANCE>                                      969
<TOTAL-ASSETS>                               227,850
<DEPOSITS>                                   144,735
<SHORT-TERM>                                  28,000
<LIABILITIES-OTHER>                            4,670
<LONG-TERM>                                   18,200 
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0 
<COMMON>                                         228
<OTHER-SE>                                    32,017
<TOTAL-LIABILITIES-AND-EQUITY>               227,850
<INTEREST-LOAN>                               11,833 
<INTEREST-INVEST>                              4,786
<INTEREST-OTHER>                                  76
<INTEREST-TOTAL>                              16,695
<INTEREST-DEPOSIT>                             7,249
<INTEREST-EXPENSE>                             9,768
<INTEREST-INCOME-NET>                          6,927
<LOAN-LOSSES>                                    308
<SECURITIES-GAINS>                               220
<EXPENSE-OTHER>                                3,580
<INCOME-PRETAX>                                4,065
<INCOME-PRE-EXTRAORDINARY>                     2,514
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                   2,514
<EPS-PRIMARY>                                   1.40
<EPS-DILUTED>                                   1.37
<YIELD-ACTUAL>                                  3.16
<LOANS-NON>                                      372
<LOANS-PAST>                                      50
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                                 740
<CHARGE-OFFS>                                     92
<RECOVERIES>                                      13
<ALLOWANCE-CLOSE>                                969
<ALLOWANCE-DOMESTIC>                             969
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0
        


<FN>
<F1> Consists of investments held-to-maturity.
</FN>


</TABLE>