[ARTICLE] 9
[LEGEND]
This schedule contains summary financial information extracted from the
Consolidated Statement of Condition at September 30, 1997 and the Consolidated
Statement of Earnings for the year ended September 30, 1997 and is qualified in
its entirety by reference to such financial statements.
[LEGEND]
[MULTIPLIER] 1000

                             
[PERIOD-TYPE]                   YEAR
[FISCAL-YEAR-END]                          SEP-30-1997
[PERIOD-END]                               SEP-30-1997
[CASH]                                             436
[INT-BEARING-DEPOSITS]                           2,314
[FED-FUNDS-SOLD]                                   100
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                      73451
[INVESTMENTS-CARRYING]                           22575
[INVESTMENTS-MARKET]                             22824
[LOANS]                                         388722
[ALLOWANCE]                                        460
[TOTAL-ASSETS]                                  495634
[DEPOSITS]                                      323443
[SHORT-TERM]                                     68400
[LIABILITIES-OTHER]                               9074
[LONG-TERM]                                      45000
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                          0
[COMMON]                                            38
[OTHER-SE]                                       49579
[TOTAL-LIABILITIES-AND-EQUITY]                  495634
[INTEREST-LOAN]                                  28468
[INTEREST-INVEST]                                 7200
[INTEREST-OTHER]                                   247
[INTEREST-TOTAL]                                 35915
[INTEREST-DEPOSIT]                               15929
[INTEREST-EXPENSE]                               21470
[INTEREST-INCOME-NET]                            14445
[LOAN-LOSSES]                                       64
[SECURITIES-GAINS]                                   0
[EXPENSE-OTHER]                                  12266
[INCOME-PRETAX]                                   3218
[INCOME-PRE-EXTRAORDINARY]                           0
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                       925
[EPS-PRIMARY]                                      .33
[EPS-DILUTED]                                      .32
[YIELD-ACTUAL]                                    2.45
[LOANS-NON]                                       1808
[LOANS-PAST]                                         0
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                      0
[ALLOWANCE-OPEN]                                   810
[CHARGE-OFFS]                                      425
[RECOVERIES]                                        11
[ALLOWANCE-CLOSE]                                  460
[ALLOWANCE-DOMESTIC]                                 0
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                              5