<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 REPORT ON FORM 10-KSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>           1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-START>                             OCT-01-1995
<PERIOD-END>                               SEP-30-1996
<CASH>                                           4,987
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,175
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           6,209
<INVESTMENTS-MARKET>                             6,204
<LOANS>                                        160,298
<ALLOWANCE>                                      1,611
<TOTAL-ASSETS>                                 184,467
<DEPOSITS>                                     130,072
<SHORT-TERM>                                    24,970
<LIABILITIES-OTHER>                              2,428
<LONG-TERM>                                     13,000
<PREFERRED-MANDATORY>                            2,656
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      10,342
<TOTAL-LIABILITIES-AND-EQUITY>                 184,467
<INTEREST-LOAN>                                 13,153
<INTEREST-INVEST>                                  357
<INTEREST-OTHER>                                   121
<INTEREST-TOTAL>                                13,631
<INTEREST-DEPOSIT>                               5,414
<INTEREST-EXPENSE>                               7,099
<INTEREST-INCOME-NET>                            6,532
<LOAN-LOSSES>                                      131
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,093
<INCOME-PRETAX>                                  2,179
<INCOME-PRE-EXTRAORDINARY>                       1,434
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,434
<EPS-PRIMARY>                                      .91
<EPS-DILUTED>                                      .84
<YIELD-ACTUAL>                                    4.04
<LOANS-NON>                                        386
<LOANS-PAST>                                       126
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,499
<CHARGE-OFFS>                                       28
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                1,161
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            450
        

</TABLE>