[ARTICLE] 9
[LEGEND]
This schedule contains summary financial information extracted from the
Consolidated Statement of Condition at September 30, 1996 and the Consolidated
Statement of Earnings for the year ended September 30, 1996 and is qualified in
its entirety by reference to such financial statements.
[/LEGEND]
[MULTIPLIER] 1000

                             
[PERIOD-TYPE]                   YEAR
[FISCAL-YEAR-END]                          SEP-30-1996
[PERIOD-END]                               SEP-30-1996
[CASH]                                            3848
[INT-BEARING-DEPOSITS]                             225
[FED-FUNDS-SOLD]                                   200
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                      81250
[INVESTMENTS-CARRYING]                           27468
[INVESTMENTS-MARKET]                             27561
[LOANS]                                         355065
[ALLOWANCE]                                        810
[TOTAL-ASSETS]                                  475862
[DEPOSITS]                                      302934
[SHORT-TERM]                                     77300
[LIABILITIES-OTHER]                               8800
[LONG-TERM]                                      38000
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                          0
[COMMON]                                            38
[OTHER-SE]                                       48790
[TOTAL-LIABILITIES-AND-EQUITY]                  475862
[INTEREST-LOAN]                                  23907
[INTEREST-INVEST]                                 7475
[INTEREST-OTHER]                                   172
[INTEREST-TOTAL]                                 31554
[INTEREST-DEPOSIT]                               13941
[INTEREST-EXPENSE]                               18129
[INTEREST-INCOME-NET]                            13425
[LOAN-LOSSES]                                      410
[SECURITIES-GAINS]                                   0
[EXPENSE-OTHER]                                  10595
[INCOME-PRETAX]                                   3377
[INCOME-PRE-EXTRAORDINARY]                           0
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                      2142
[EPS-PRIMARY]                                      .72
[EPS-DILUTED]                                      .72
[YIELD-ACTUAL]                                    2.57
[LOANS-NON]                                       3086
[LOANS-PAST]                                         0
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                      0
[ALLOWANCE-OPEN]                                   403
[CHARGE-OFFS]                                       34
[RECOVERIES]                                        31
[ALLOWANCE-CLOSE]                                  810
[ALLOWANCE-DOMESTIC]                                 0
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                              3