<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   9-MOS                   YEAR
<FISCAL-YEAR-END>                          SEP-30-1996             SEP-30-1995
<PERIOD-END>                               JUN-30-1996             SEP-30-1995
<CASH>                                       1,120,000                 669,000
<INT-BEARING-DEPOSITS>                         424,000                 617,000
<FED-FUNDS-SOLD>                             3,207,000               2,727,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                      17,479,000<F1>          17,334,000<F1>
<INVESTMENTS-MARKET>                           622,000                 504,000
<LOANS>                                     22,334,000              23,018,000
<ALLOWANCE>                                     52,000                  39,000
<TOTAL-ASSETS>                              46,260,000              45,734,000
<DEPOSITS>                                  38,190,000              38,056,000
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                            537,000                 525,000
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                       0
<OTHER-SE>                                   7,533,000<F2>           7,153,000<F2>
<TOTAL-LIABILITIES-AND-EQUITY>              46,260,000              45,734,000
<INTEREST-LOAN>                              1,414,000               1,960,000
<INTEREST-INVEST>                              569,000<F3>             505,000<F3>
<INTEREST-OTHER>                               486,000                 717,000
<INTEREST-TOTAL>                             2,469,000               3,182,000
<INTEREST-DEPOSIT>                           1,336,000               1,622,000
<INTEREST-EXPENSE>                           1,336,000               1,622,000
<INTEREST-INCOME-NET>                        1,133,000               1,560,000
<LOAN-LOSSES>                                   13,000                       0
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                664,000                 861,000
<INCOME-PRETAX>                                462,000                 707,000
<INCOME-PRE-EXTRAORDINARY>                     462,000                 707,000
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   302,000                 467,000
<EPS-PRIMARY>                                        0                       0
<EPS-DILUTED>                                        0                       0
<YIELD-ACTUAL>                                   7.155                   7.257
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                    15,000                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                    39                      39
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                   52                      39
<ALLOWANCE-DOMESTIC>                                 2                       2
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                             50                      37
<FN>
<F1>Includes certificates of deposit.
<F2>Includes net unrealized gains on securities.
<F3>Includes interest from mortgage-backed securities.
</FN>