<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
ANNUAL REPORT ON FORM 10-KSB FOR THE YEAR ENDED SEPTEMBER 30, 1996 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>          1
       
                                                 
<PERIOD-TYPE>                     9-MOS
<FISCAL-YEAR-END>                                    SEP-30-1996
<PERIOD-END>                                         JUN-30-1997
<CASH>                                                   147,003
<INT-BEARING-DEPOSITS>                                    48,768
<FED-FUNDS-SOLD>                                               0
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                           12,879,564
<INVESTMENTS-CARRYING>                                 2,930,269
<INVESTMENTS-MARKET>                                   2,930,269
<LOANS>                                               41,118,277
<ALLOWANCE>                                              557,814
<TOTAL-ASSETS>                                        58,660,309
<DEPOSITS>                                            42,654,431
<SHORT-TERM>                                           7,800,000
<LIABILITIES-OTHER>                                      476,348
<LONG-TERM>                                            1,011,202
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                               2,129,937
<OTHER-SE>                                             4,588,391
<TOTAL-LIABILITIES-AND-EQUITY>                        58,660,309
<INTEREST-LOAN>                                        2,427,571
<INTEREST-INVEST>                                        750,055
<INTEREST-OTHER>                                               0
<INTEREST-TOTAL>                                       3,177,626
<INTEREST-DEPOSIT>                                     1,542,982
<INTEREST-EXPENSE>                                       315,529
<INTEREST-INCOME-NET>                                  1,319,115
<LOAN-LOSSES>                                              5,000
<SECURITIES-GAINS>                                       321,826
<EXPENSE-OTHER>                                          964,860
<INCOME-PRETAX>                                          383,994
<INCOME-PRE-EXTRAORDINARY>                               383,994
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                             236,994
<EPS-PRIMARY>                                                .62
<EPS-DILUTED>                                                .62
<YIELD-ACTUAL>                                                 0
<LOANS-NON>                                              572,459
<LOANS-PAST>                                                   0
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                         560,917
<CHARGE-OFFS>                                                  0
<RECOVERIES>                                                   0
<ALLOWANCE-CLOSE>                                        557,814
<ALLOWANCE-DOMESTIC>                                           0
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0