<ARTICLE> 9
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                             922
<INT-BEARING-DEPOSITS>                           5,319
<FED-FUNDS-SOLD>                                 4,976
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,866
<INVESTMENTS-CARRYING>                          20,559
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         34,685
<ALLOWANCE>                                        390
<TOTAL-ASSETS>                                  75,093
<DEPOSITS>                                      65,317
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,139
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           208
<OTHER-SE>                                       8,429
<TOTAL-LIABILITIES-AND-EQUITY>                  75,093
<INTEREST-LOAN>                                    785
<INTEREST-INVEST>                                  533
<INTEREST-OTHER>                                    78
<INTEREST-TOTAL>                                 1,396
<INTEREST-DEPOSIT>                                 653
<INTEREST-EXPENSE>                                 664
<INTEREST-INCOME-NET>                              732
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    405
<INCOME-PRETAX>                                    450
<INCOME-PRE-EXTRAORDINARY>                         450
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       289
<EPS-PRIMARY>                                     1.39
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.80
<LOANS-NON>                                         13
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   390
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  390
<ALLOWANCE-DOMESTIC>                               390
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0