<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          12,963
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<LOANS>                                        248,930
<ALLOWANCE>                                      6,030
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<DEPOSITS>                                     336,504
<SHORT-TERM>                                     3,196
<LIABILITIES-OTHER>                              3,580
<LONG-TERM>                                          0
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<OTHER-SE>                                      20,239
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<INTEREST-EXPENSE>                              10,109
<INTEREST-INCOME-NET>                           10,943
<LOAN-LOSSES>                                      145
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,789
<INCOME-PRETAX>                                  4,329
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<ALLOWANCE-OPEN>                                 5,933
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<ALLOWANCE-CLOSE>                                6,030
<ALLOWANCE-DOMESTIC>                             6,030
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