<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> SEP-30-1996 <PERIOD-END> SEP-30-1996 <CASH> 12,963 <INT-BEARING-DEPOSITS> 699 <FED-FUNDS-SOLD> 9,525 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 82,192 <INVESTMENTS-CARRYING> 14,079 <INVESTMENTS-MARKET> 14,461 <LOANS> 248,930 <ALLOWANCE> 6,030 <TOTAL-ASSETS> 381,828 <DEPOSITS> 336,504 <SHORT-TERM> 3,196 <LIABILITIES-OTHER> 3,580 <LONG-TERM> 0 <COMMON> 18,309 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 20,239 <TOTAL-LIABILITIES-AND-EQUITY> 381,828 <INTEREST-LOAN> 16,343 <INTEREST-INVEST> 4,157 <INTEREST-OTHER> 552 <INTEREST-TOTAL> 21,052 <INTEREST-DEPOSIT> 10,072 <INTEREST-EXPENSE> 10,109 <INTEREST-INCOME-NET> 10,943 <LOAN-LOSSES> 145 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,789 <INCOME-PRETAX> 4,329 <INCOME-PRE-EXTRAORDINARY> 4,329 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,005 <EPS-PRIMARY> 1.57 <EPS-DILUTED> 1.57 <YIELD-ACTUAL> 4.21 <LOANS-NON> 1,529 <LOANS-PAST> 1,567 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,096 <ALLOWANCE-OPEN> 5,933 <CHARGE-OFFS> 251 <RECOVERIES> 203 <ALLOWANCE-CLOSE> 6,030 <ALLOWANCE-DOMESTIC> 6,030 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,746