<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> SEP-30-1996 <PERIOD-START> OCT-01-1995 <PERIOD-END> JUN-30-1996 <CASH> 686 <INT-BEARING-DEPOSITS> 8,859 <FED-FUNDS-SOLD> 4,146 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 7,977 <INVESTMENTS-CARRYING> 24,555 <INVESTMENTS-MARKET> 23,387 <LOANS> 34,269 <ALLOWANCE> 369 <TOTAL-ASSETS> 81,883 <DEPOSITS> 69,224 <SHORT-TERM> 0 <LIABILITIES-OTHER> 948 <LONG-TERM> 710 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 272 <OTHER-SE> 10,729 <TOTAL-LIABILITIES-AND-EQUITY> 81,883 <INTEREST-LOAN> 2,273 <INTEREST-INVEST> 1,656 <INTEREST-OTHER> 362 <INTEREST-TOTAL> 4,291 <INTEREST-DEPOSIT> 2,142 <INTEREST-EXPENSE> 2,177 <INTEREST-INCOME-NET> 2,114 <LOAN-LOSSES> 27 <SECURITIES-GAINS> 41 <EXPENSE-OTHER> 1,280 <INCOME-PRETAX> 748 <INCOME-PRE-EXTRAORDINARY> 748 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 748 <EPS-PRIMARY> 2.74 <EPS-DILUTED> 0 <YIELD-ACTUAL> 7.36 <LOANS-NON> 41 <LOANS-PAST> 74 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 352 <CHARGE-OFFS> 15 <RECOVERIES> 5 <ALLOWANCE-CLOSE> 369 <ALLOWANCE-DOMESTIC> 369 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0