<TABLE> <S> <C>

<ARTICLE>                                  9
<MULTIPLIER>                               1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1997             SEP-30-1997
<PERIOD-END>                               JUN-30-1997             JUN-30-1997
<CASH>                                           4,175                   4,175
<INT-BEARING-DEPOSITS>                           3,576                   3,576
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                           9,142                   9,142
<INVESTMENTS-MARKET>                             9,146                   9,146
<LOANS>                                        131,970                 131,970
<ALLOWANCE>                                        996                     996
<TOTAL-ASSETS>                                 156,383                 156,383
<DEPOSITS>                                     126,214                 126,214
<SHORT-TERM>                                     1,150                   1,150
<LIABILITIES-OTHER>                              3,436                   3,436
<LONG-TERM>                                     13,600                  12,600
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         3,052                   3,052
<OTHER-SE>                                       9,796                   9,796
<TOTAL-LIABILITIES-AND-EQUITY>                 156,383                 156,383
<INTEREST-LOAN>                                  3,135                   9,135
<INTEREST-INVEST>                                  143                     447
<INTEREST-OTHER>                                    20                     158
<INTEREST-TOTAL>                                 3,298                   9,740
<INTEREST-DEPOSIT>                               1,484                   4,553
<INTEREST-EXPENSE>                                 210                     564
<INTEREST-INCOME-NET>                            1,490                   4,283
<LOAN-LOSSES>                                        2                     308
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  1,184                   3,526
<INCOME-PRETAX>                                    607                    1741
<INCOME-PRE-EXTRAORDINARY>                         381                    1095
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       381                    1095
<EPS-PRIMARY>                                     0.13                    0.41
<EPS-DILUTED>                                     0.12                    0.41
<YIELD-ACTUAL>                                    8.80                    8.66
<LOANS-NON>                                       1971                    1971
<LOANS-PAST>                                      2642                    2642
<LOANS-TROUBLED>                                   240                     240
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   955                     955
<CHARGE-OFFS>                                      332                     332
<RECOVERIES>                                        65                      65
<ALLOWANCE-CLOSE>                                  996                     996
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            996                     996
        

</TABLE>