<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          14,057
<INT-BEARING-DEPOSITS>                           2,597
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     72,269
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        394,755
<ALLOWANCE>                                      4,600
<TOTAL-ASSETS>                                 502,761
<DEPOSITS>                                     331,996
<SHORT-TERM>                                    99,702
<LIABILITIES-OTHER>                              6,110
<LONG-TERM>                                     33,929
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            46
<OTHER-SE>                                      30,978
<TOTAL-LIABILITIES-AND-EQUITY>                 471,737
<INTEREST-LOAN>                                 24,939
<INTEREST-INVEST>                                2,884
<INTEREST-OTHER>                                   209
<INTEREST-TOTAL>                                28,032
<INTEREST-DEPOSIT>                              10,116
<INTEREST-EXPENSE>                              14,876
<INTEREST-INCOME-NET>                           13,156
<LOAN-LOSSES>                                    (628)
<SECURITIES-GAINS>                                  33
<EXPENSE-OTHER>                                  9,370
<INCOME-PRETAX>                                  6,575
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,170
<EPS-PRIMARY>                                      .86
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    8.44
<LOANS-NON>                                          0
<LOANS-PAST>                                       508
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,600
<CHARGE-OFFS>                                      195
<RECOVERIES>                                        57
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                             4,600
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0