<ARTICLE>      9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON Form 10-Q FOR THE FISCAL QUARTER ENDED JUNE 30, 1996 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>   1
       
                               
<PERIOD-TYPE>                     9-MOS
<FISCAL-YEAR-END>                            SEP-30-1996
<PERIOD-END>                                 JUN-30-1996
<CASH>                                           233,401
<INT-BEARING-DEPOSITS>                         1,383,075
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                      595,660
<INVESTMENTS-CARRYING>                        44,311,802
<INVESTMENTS-MARKET>                          44,138,930
<LOANS>                                                0
<ALLOWANCE>                                      272,227
<TOTAL-ASSETS>                               115,260,493
<DEPOSITS>                                    78,704,610
<SHORT-TERM>                                  13,000,000
<LIABILITIES-OTHER>                            1,748,915
<LONG-TERM>                                   11,000,000
<COMMON>                                       3,180,293
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<OTHER-SE>                                     7,625,675
<TOTAL-LIABILITIES-AND-EQUITY>               115,260,493
<INTEREST-LOAN>                                3,700,986
<INTEREST-INVEST>                              2,262,090
<INTEREST-OTHER>                                 204,121
<INTEREST-TOTAL>                               6,071,012
<INTEREST-DEPOSIT>                             2,821,495
<INTEREST-EXPENSE>                               864,834
<INTEREST-INCOME-NET>                          2,384,683
<LOAN-LOSSES>                                     27,000
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                1,855,014
<INCOME-PRETAX>                                1,247,518
<INCOME-PRE-EXTRAORDINARY>                     1,247,518
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                     829,218
<EPS-PRIMARY>                                       0.47
<EPS-DILUTED>                                       0.47
<YIELD-ACTUAL>                                      7.29
<LOANS-NON>                                       53,205
<LOANS-PAST>                                           0

<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                  140,292
<ALLOWANCE-OPEN>                                 248,028
<CHARGE-OFFS>                                     11,255
<RECOVERIES>                                       8,454
<ALLOWANCE-CLOSE>                                272,227
<ALLOWANCE-DOMESTIC>                             272,227
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0