<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information quarterly report on Form
10-Q for the fiscal quarter and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               DEC-31-1996
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<INT-BEARING-DEPOSITS>                      15,786,268
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<SHORT-TERM>                                         0
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<INTEREST-TOTAL>                             1,753,028
<INTEREST-DEPOSIT>                             993,673
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