<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Condition at September 30, 1996 and the Consolidated
Statement of Earnings for the year ended September 30, 1996 and is qualified in
its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                            3848
<INT-BEARING-DEPOSITS>                             225
<FED-FUNDS-SOLD>                                   200
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      81250
<INVESTMENTS-CARRYING>                           27468
<INVESTMENTS-MARKET>                             27561
<LOANS>                                         355065
<ALLOWANCE>                                        810
<TOTAL-ASSETS>                                  475862
<DEPOSITS>                                      302934
<SHORT-TERM>                                     77300
<LIABILITIES-OTHER>                               8800
<LONG-TERM>                                      38000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            38
<OTHER-SE>                                       48790
<TOTAL-LIABILITIES-AND-EQUITY>                  475862
<INTEREST-LOAN>                                  23907
<INTEREST-INVEST>                                 7475
<INTEREST-OTHER>                                   172
<INTEREST-TOTAL>                                 31554
<INTEREST-DEPOSIT>                               13941
<INTEREST-EXPENSE>                               18129
<INTEREST-INCOME-NET>                            13425
<LOAN-LOSSES>                                      410
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  10595
<INCOME-PRETAX>                                   3377
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      2142
<EPS-PRIMARY>                                      .72
<EPS-DILUTED>                                      .72
<YIELD-ACTUAL>                                    2.57
<LOANS-NON>                                       3086
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   403
<CHARGE-OFFS>                                       34
<RECOVERIES>                                        31
<ALLOWANCE-CLOSE>                                  810
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              3
        

</TABLE>