<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-QSB.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-START>                             OCT-01-1995
<PERIOD-END>                               JUN-30-1996
<CASH>                                           4,952
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,750
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           6,277
<INVESTMENTS-MARKET>                             6,281
<LOANS>                                        155,886
<ALLOWANCE>                                      1,550
<TOTAL-ASSETS>                                 177,778
<DEPOSITS>                                     130,547
<SHORT-TERM>                                    17,540
<LIABILITIES-OTHER>                              1,669
<LONG-TERM>                                     14,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,656
<OTHER-SE>                                      10,366
<TOTAL-LIABILITIES-AND-EQUITY>                 177,778
<INTEREST-LOAN>                                  9,742
<INTEREST-INVEST>                                  266
<INTEREST-OTHER>                                    87
<INTEREST-TOTAL>                                10,095
<INTEREST-DEPOSIT>                               4,083
<INTEREST-EXPENSE>                               1,206
<INTEREST-INCOME-NET>                            4,806
<LOAN-LOSSES>                                       29
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,169
<INCOME-PRETAX>                                  2,275
<INCOME-PRE-EXTRAORDINARY>                       2,275
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,519
<EPS-PRIMARY>                                     1.94
<EPS-DILUTED>                                     1.79
<YIELD-ACTUAL>                                    3.75
<LOANS-NON>                                        344
<LOANS-PAST>                                       111
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,550
<CHARGE-OFFS>                                        0
<RECOVERIES>                                        22
<ALLOWANCE-CLOSE>                                1,550
<ALLOWANCE-DOMESTIC>                               332
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,218