<TABLE> <S> <C>

<ARTICLE>              9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FROM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-QSB.
</LEGEND>
<MULTIPLIER>           1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               JUN-30-1997
<CASH>                                           7,470
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,675
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           8,008
<INVESTMENTS-MARKET>                             8,023
<LOANS>                                        171,242
<ALLOWANCE>                                      1,739
<TOTAL-ASSETS>                                 201,262
<DEPOSITS>                                     129,074
<SHORT-TERM>                                    29,445
<LIABILITIES-OTHER>                              1,551
<LONG-TERM>                                     26,000
<PREFERRED-MANDATORY>                            3,656
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      11,536
<TOTAL-LIABILITIES-AND-EQUITY>                 201,262
<INTEREST-LOAN>                                 10,550
<INTEREST-INVEST>                                  275
<INTEREST-OTHER>                                   130
<INTEREST-TOTAL>                                10,955
<INTEREST-DEPOSIT>                               3,826
<INTEREST-EXPENSE>                               2,045
<INTEREST-INCOME-NET>                            5,084
<LOAN-LOSSES>                                      162
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,546
<INCOME-PRETAX>                                  2,192
<INCOME-PRE-EXTRAORDINARY>                       1,468
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,468
<EPS-PRIMARY>                                      .93
<EPS-DILUTED>                                      .85
<YIELD-ACTUAL>                                    3.84
<LOANS-NON>                                        451
<LOANS-PAST>                                       111
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,611
<CHARGE-OFFS>                                       73
<RECOVERIES>                                        39
<ALLOWANCE-CLOSE>                                1,739
<ALLOWANCE-DOMESTIC>                             1,289
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            450
        

</TABLE>