<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 FROM 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-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               SEP-30-1997
<CASH>                                           7,237
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           8,941
<INVESTMENTS-MARKET>                             8,981
<LOANS>                                        174,027
<ALLOWANCE>                                      1,816
<TOTAL-ASSETS>                                 203,703
<DEPOSITS>                                     126,635
<SHORT-TERM>                                    32,805
<LIABILITIES-OTHER>                              1,638
<LONG-TERM>                                     27,000
<PREFERRED-MANDATORY>                            3,656
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      11,970
<TOTAL-LIABILITIES-AND-EQUITY>                 203,703
<INTEREST-LOAN>                                 14,273
<INTEREST-INVEST>                                  417
<INTEREST-OTHER>                                   163
<INTEREST-TOTAL>                                14,853
<INTEREST-DEPOSIT>                               5,142
<INTEREST-EXPENSE>                               8,031
<INTEREST-INCOME-NET>                            6,823
<LOAN-LOSSES>                                      222
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,753
<INCOME-PRETAX>                                  2,944
<INCOME-PRE-EXTRAORDINARY>                       1,973
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,973
<EPS-PRIMARY>                                     1.25
<EPS-DILUTED>                                     1.14
<YIELD-ACTUAL>                                    3.87
<LOANS-NON>                                        442
<LOANS-PAST>                                       111
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,611
<CHARGE-OFFS>                                       29
<RECOVERIES>                                        11
<ALLOWANCE-CLOSE>                                1,816
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            450
        

</TABLE>