<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>                         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
<COMMON>                                                  3,656
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   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>                                               .85
<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>