<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from SEC Form
10-QSB and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<CIK> 0000919624
<NAME> HARVEST HOME FINANCIAL
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                              OCT-1-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                             329
<INT-BEARING-DEPOSITS>                           2,285
<FED-FUNDS-SOLD>                                   700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     35,080
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         42,721
<ALLOWANCE>                                        111
<TOTAL-ASSETS>                                  83,659
<DEPOSITS>                                      57,754
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                506
<LONG-TERM>                                     15,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,957
<OTHER-SE>                                       3,442
<TOTAL-LIABILITIES-AND-EQUITY>                  83,659
<INTEREST-LOAN>                                    856
<INTEREST-INVEST>                                  492
<INTEREST-OTHER>                                    44
<INTEREST-TOTAL>                                 1,392
<INTEREST-DEPOSIT>                                 691
<INTEREST-EXPENSE>                                 842
<INTEREST-INCOME-NET>                              550
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    335
<INCOME-PRETAX>                                    238
<INCOME-PRE-EXTRAORDINARY>                         157
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       157
<EPS-PRIMARY>                                      .18
<EPS-DILUTED>                                      .18
<YIELD-ACTUAL>                                    2.78
<LOANS-NON>                                        217
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   111
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  111
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            111