<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