<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> SEP-30-1995 <PERIOD-END> JUN-30-1995 <CASH> 13,373 <INT-BEARING-DEPOSITS> 1,010 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 10,025 <INVESTMENTS-CARRYING> 41,070 <INVESTMENTS-MARKET> 41,913 <LOANS> 511,905 <ALLOWANCE> 5,836 <TOTAL-ASSETS> 617,850 <DEPOSITS> 543,248 <SHORT-TERM> 22,400 <LIABILITIES-OTHER> 6,174 <LONG-TERM> 5,330 <COMMON> 39 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 40,659 <TOTAL-LIABILITIES-AND-EQUITY> 617,850 <INTEREST-LOAN> 32,467 <INTEREST-INVEST> 2,583 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 35,050 <INTEREST-DEPOSIT> 14,769 <INTEREST-EXPENSE> 15,545 <INTEREST-INCOME-NET> 19,505 <LOAN-LOSSES> 1,100 <SECURITIES-GAINS> (144) <EXPENSE-OTHER> 2,335 <INCOME-PRETAX> 4,296 <INCOME-PRE-EXTRAORDINARY> 2,907 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,907 <EPS-PRIMARY> .75 <EPS-DILUTED> .72 <YIELD-ACTUAL> 8.25 <LOANS-NON> 13,923 <LOANS-PAST> 146 <LOANS-TROUBLED> 3,486 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,351 <CHARGE-OFFS> 1,687 <RECOVERIES> 72 <ALLOWANCE-CLOSE> 5,836 <ALLOWANCE-DOMESTIC> 417 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 5,419