<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 FORM 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>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           5,669
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,350
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           6,131
<INVESTMENTS-MARKET>                             6,142
<LOANS>                                        163,148
<ALLOWANCE>                                      1,723
<TOTAL-ASSETS>                                 189,065
<DEPOSITS>                                     126,315
<SHORT-TERM>                                    33,670
<LIABILITIES-OTHER>                              1,742
<LONG-TERM>                                     13,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,656
<OTHER-SE>                                      10,680
<TOTAL-LIABILITIES-AND-EQUITY>                 189,065
<INTEREST-LOAN>                                  3,433
<INTEREST-INVEST>                                   93
<INTEREST-OTHER>                                    43
<INTEREST-TOTAL>                                 3,569
<INTEREST-DEPOSIT>                               1,297
<INTEREST-EXPENSE>                                 600
<INTEREST-INCOME-NET>                            1,672
<LOAN-LOSSES>                                      148
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,123
<INCOME-PRETAX>                                    633
<INCOME-PRE-EXTRAORDINARY>                         424
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       424
<EPS-PRIMARY>                                      .25
<EPS-DILUTED>                                      .25
<YIELD-ACTUAL>                                    3.86
<LOANS-NON>                                        607
<LOANS-PAST>                                       111
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,611
<CHARGE-OFFS>                                       36
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,723
<ALLOWANCE-DOMESTIC>                             1,273
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            450
        

</TABLE>