<ARTICLE> 9
<LEGEND>    
The schedule contains summary financial information extracted from the Annual
Report on Form 10-Q for the Quarter ended December 31, 1996 and is qualified
in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>  1
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-END>                               DEC-31-1996
<CASH>                                     431,151
<INT-BEARING-DEPOSITS>                     2,191,908
<FED-FUNDS-SOLD>                           0
<TRADING-ASSETS>                           0
<INVESTMENTS-HELD-FOR-SALE>                  4,948,024
<INVESTMENTS-CARRYING>                      43,440,574
<INVESTMENTS-MARKET>                        43,660,643
<LOANS>                                     62,774,795
<ALLOWANCE>                                    280,919
<TOTAL-ASSETS>                             117,066,068
<DEPOSITS>                                  79,059,350
<SHORT-TERM>                                14,500,000
<LIABILITIES-OTHER>                          1,602,115
<LONG-TERM>                                 11,000,000
<COMMON>                                     3,138,898
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                   7,765,705
<TOTAL-LIABILITIES-AND-EQUITY>             117,066,068
<INTEREST-LOAN>                              1,293,301
<INTEREST-INVEST>                              815,642
<INTEREST-OTHER>                                24,265
<INTEREST-TOTAL>                             2,163,208
<INTEREST-DEPOSIT>                             929,028
<INTEREST-EXPENSE>                             357,781
<INTEREST-INCOME-NET>                        1,286,809
<LOAN-LOSSES>                                    9,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                669,414
<INCOME-PRETAX>                                555,940
<INCOME-PRE-EXTRAORDINARY>                     372,530
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   372,530
<EPS-PRIMARY>                                     0.22
<EPS-DILUTED>                                     0.22
<YIELD-ACTUAL>                                    7.58
<LOANS-NON>                                     92,874
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                172,343
<ALLOWANCE-OPEN>                               273,819
<CHARGE-OFFS>                                    3,022
<RECOVERIES>                                     1,123
<ALLOWANCE-CLOSE>                              280,919
<ALLOWANCE-DOMESTIC>                           280,919
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0