<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>                                                                     1,367
<INT-BEARING-DEPOSITS>                                                     1,419
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                4,430
<INVESTMENTS-CARRYING>                                                    27,199
<INVESTMENTS-MARKET>                                                      27,024
<LOANS>                                                                  280,544
<ALLOWANCE>                                                                  827
<TOTAL-ASSETS>                                                           324,488
<DEPOSITS>                                                               240,317
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        3,469
<LONG-TERM>                                                               57,425
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                23,277
<TOTAL-LIABILITIES-AND-EQUITY>                                           324,488
<INTEREST-LOAN>                                                           22,086
<INTEREST-INVEST>                                                          1,940
<INTEREST-OTHER>                                                             207
<INTEREST-TOTAL>                                                          24,233
<INTEREST-DEPOSIT>                                                        12,009
<INTEREST-EXPENSE>                                                        15,036
<INTEREST-INCOME-NET>                                                      9,197
<LOAN-LOSSES>                                                                  0
<SECURITIES-GAINS>                                                            36
<EXPENSE-OTHER>                                                            5,907
<INCOME-PRETAX>                                                            4,909
<INCOME-PRE-EXTRAORDINARY>                                                 3,226
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               3,226
<EPS-PRIMARY>                                                                .81
<EPS-DILUTED>                                                                .80
<YIELD-ACTUAL>                                                              3.08
<LOANS-NON>                                                                  393
<LOANS-PAST>                                                                  79
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                            1,084
<ALLOWANCE-OPEN>                                                             857
<CHARGE-OFFS>                                                                 51
<RECOVERIES>                                                                  21
<ALLOWANCE-CLOSE>                                                            827
<ALLOWANCE-DOMESTIC>                                                          64
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      763
        

</TABLE>