<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> SEP-30-1996 <PERIOD-END> SEP-30-1996 <CASH> 11,622 <INT-BEARING-DEPOSITS> 191,092 <FED-FUNDS-SOLD> 21,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 53,995 <INVESTMENTS-CARRYING> 6,385 <INVESTMENTS-MARKET> 6,385 <LOANS> 162,001 <ALLOWANCE> 2,140 <TOTAL-ASSETS> 259,853 <DEPOSITS> 234,137 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,683 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 16,388 <OTHER-SE> 7,645 <TOTAL-LIABILITIES-AND-EQUITY> 24,033 <INTEREST-LOAN> 10,845 <INTEREST-INVEST> 2,241 <INTEREST-OTHER> 1,172 <INTEREST-TOTAL> 14,258 <INTEREST-DEPOSIT> 5,380 <INTEREST-EXPENSE> 5,380 <INTEREST-INCOME-NET> 8,878 <LOAN-LOSSES> 427 <SECURITIES-GAINS> (219) <EXPENSE-OTHER> 4,696 <INCOME-PRETAX> 4,079 <INCOME-PRE-EXTRAORDINARY> 4,079 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,373 <EPS-PRIMARY> 1.44 <EPS-DILUTED> 1.44 <YIELD-ACTUAL> 8.61 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,716 <CHARGE-OFFS> 3 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 2,140 <ALLOWANCE-DOMESTIC> 2,140 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0