<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> SEP-30-1995 <PERIOD-END> SEP-30-1995 <CASH> 11,198 <INT-BEARING-DEPOSITS> 594 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 11,799 <INVESTMENTS-CARRYING> 20,889 <INVESTMENTS-MARKET> 20,657 <LOANS> 528,867 <ALLOWANCE> 6,082 <TOTAL-ASSETS> 637,020 <DEPOSITS> 567,710 <SHORT-TERM> 17,775 <LIABILITIES-OTHER> 4,613 <LONG-TERM> 5,330 <COMMON> 39 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 41,553 <TOTAL-LIABILITIES-AND-EQUITY> 637,020 <INTEREST-LOAN> 44,601 <INTEREST-INVEST> 3,473 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 48,074 <INTEREST-DEPOSIT> 20,654 <INTEREST-EXPENSE> 21,765 <INTEREST-INCOME-NET> 22,584 <LOAN-LOSSES> 1,650 <SECURITIES-GAINS> (125) <EXPENSE-OTHER> 3,124 <INCOME-PRETAX> 5,130 <INCOME-PRE-EXTRAORDINARY> 3,998 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,998 <EPS-PRIMARY> 1.01 <EPS-DILUTED> 1.00 <YIELD-ACTUAL> 8.21 <LOANS-NON> 18,503 <LOANS-PAST> 0 <LOANS-TROUBLED> 3,476 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,351 <CHARGE-OFFS> 1,991 <RECOVERIES> 72 <ALLOWANCE-CLOSE> 6,082 <ALLOWANCE-DOMESTIC> 1,317 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 4,765