<TABLE> <S> <C>


<ARTICLE>                                                           9
<MULTIPLIER>                                                    1,000

<S>                                                               <C>
<PERIOD-TYPE>                                                    YEAR
<FISCAL-YEAR-END>                                         SEP-30-1997
<PERIOD-START>                                            OCT-01-1996
<PERIOD-END>                                              SEP-30-1997
<CASH>                                                          1,811
<INT-BEARING-DEPOSITS>                                          3,782
<FED-FUNDS-SOLD>                                                   50
<TRADING-ASSETS>                                                    0
<INVESTMENTS-HELD-FOR-SALE>                                     4,430
<INVESTMENTS-CARRYING>                                         31,950
<INVESTMENTS-MARKET>                                           31,775
<LOANS>                                                       317,830
<ALLOWANCE>                                                       905
<TOTAL-ASSETS>                                                371,233
<DEPOSITS>                                                    279,034
<SHORT-TERM>                                                        0
<LIABILITIES-OTHER>                                             3,835
<LONG-TERM>                                                    61,754
<PREFERRED-MANDATORY>                                               0
<PREFERRED>                                                         0
<COMMON>                                                            0
<OTHER-SE>                                                     26,610
<TOTAL-LIABILITIES-AND-EQUITY>                                371,233
<INTEREST-LOAN>                                                25,127
<INTEREST-INVEST>                                               2,247
<INTEREST-OTHER>                                                  372
<INTEREST-TOTAL>                                               27,746
<INTEREST-DEPOSIT>                                             13,865
<INTEREST-EXPENSE>                                             17,157
<INTEREST-INCOME-NET>                                          10,589
<LOAN-LOSSES>                                                       6
<SECURITIES-GAINS>                                                 36
<EXPENSE-OTHER>                                                 7,153
<INCOME-PRETAX>                                                 5,186
<INCOME-PRE-EXTRAORDINARY>                                      3,477
<EXTRAORDINARY>                                                     0
<CHANGES>                                                           0
<NET-INCOME>                                                    3,477
<EPS-BASIC>                                                     .80
<EPS-DILUTED>                                                     .79
<YIELD-ACTUAL>                                                   3.07
<LOANS-NON>                                                       443
<LOANS-PAST>                                                      156
<LOANS-TROUBLED>                                                    0
<LOANS-PROBLEM>                                                     0
<ALLOWANCE-OPEN>                                                  954
<CHARGE-OFFS>                                                      77
<RECOVERIES>                                                       22
<ALLOWANCE-CLOSE>                                                 905
<ALLOWANCE-DOMESTIC>                                                0
<ALLOWANCE-FOREIGN>                                                 0
<ALLOWANCE-UNALLOCATED>                                           905



</TABLE>