<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> SEP-30-1997 <PERIOD-START> OCT-01-1996 <PERIOD-END> SEP-30-1997 <CASH> 1,189 <INT-BEARING-DEPOSITS> 1,138 <FED-FUNDS-SOLD> 7,151 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 5,949 <INVESTMENTS-CARRYING> 22,622 <INVESTMENTS-MARKET> 22,608 <LOANS> 34,882 <ALLOWANCE> 391 <TOTAL-ASSETS> 74,825 <DEPOSITS> 64,585 <SHORT-TERM> 50 <LIABILITIES-OTHER> 850 <LONG-TERM> 602 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 208 <OTHER-SE> 8,530 <TOTAL-LIABILITIES-AND-EQUITY> 74,825 <INTEREST-LOAN> 3,111 <INTEREST-INVEST> 1,822 <INTEREST-OTHER> 460 <INTEREST-TOTAL> 5,393 <INTEREST-DEPOSIT> 2,653 <INTEREST-EXPENSE> 2,701 <INTEREST-INCOME-NET> 2,692 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,572 <INCOME-PRETAX> 1,609 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,067 <EPS-PRIMARY> 5.12 <EPS-DILUTED> 5.12 <YIELD-ACTUAL> 3.72 <LOANS-NON> 6 <LOANS-PAST> 149 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 382 <CHARGE-OFFS> 4 <RECOVERIES> 13 <ALLOWANCE-CLOSE> 391 <ALLOWANCE-DOMESTIC> 391 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0