<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1996             SEP-30-1996
<PERIOD-START>                             APR-01-1996             OCT-01-1995
<PERIOD-END>                               JUN-30-1996             JUN-30-1996
<CASH>                                       1,601,548               1,601,548
<INT-BEARING-DEPOSITS>                       4,175,457               4,175,457
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 44,767,631              44,767,631
<INVESTMENTS-CARRYING>                         903,632                 903,632
<INVESTMENTS-MARKET>                           986,337                 986,337
<LOANS>                                     49,603,993              49,603,993
<ALLOWANCE>                                    470,362                 470,362
<TOTAL-ASSETS>                             104,968,978             104,968,978
<DEPOSITS>                                  79,860,343              79,860,343
<SHORT-TERM>                                 9,854,000               9,854,000
<LIABILITIES-OTHER>                          1,336,951               1,336,951
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         7,784                   7,784
<OTHER-SE>                                  13,909,900              13,909,900
<TOTAL-LIABILITIES-AND-EQUITY>             104,968,978             104,968,978
<INTEREST-LOAN>                              1,109,273               3,335,415
<INTEREST-INVEST>                              702,098               1,997,464
<INTEREST-OTHER>                                52,129                 174,075
<INTEREST-TOTAL>                             1,863,500               5,506,954
<INTEREST-DEPOSIT>                             915,401               2,822,224
<INTEREST-EXPENSE>                             984,436               2,922,084
<INTEREST-INCOME-NET>                          879,064               2,584,870
<LOAN-LOSSES>                                        0                       0
<SECURITIES-GAINS>                               2,211                   5,037
<EXPENSE-OTHER>                                691,489               2,093,927
<INCOME-PRETAX>                                347,132                 862,041
<INCOME-PRE-EXTRAORDINARY>                     347,132                 862,041
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   204,905                 511,002
<EPS-PRIMARY>                                      .27                     .66
<EPS-DILUTED>                                        0                       0
<YIELD-ACTUAL>                                     .88                    2.59
<LOANS-NON>                                     30,749                  30,749
<LOANS-PAST>                                   204,027                 204,027
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                               480,897                 491,382
<CHARGE-OFFS>                                    7,827                  23,275
<RECOVERIES>                                     1,401                   8,710
<ALLOWANCE-CLOSE>                              470,362                 470,362
<ALLOWANCE-DOMESTIC>                           414,925                 414,925
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                         55,437                  55,437