<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                                                  
<PERIOD-TYPE>                              YEAR                    9-MOS                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1996             SEP-30-1996             SEP-30-1996
<PERIOD-END>                               SEP-30-1996             JUN-30-1996             MAR-31-1996
<CASH>                                           6,069                   5,048                   5,021
<INT-BEARING-DEPOSITS>                          22,924                  27,248                  36,498
<FED-FUNDS-SOLD>                                     0                       0                       0
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                      7,365                   7,652                   8,197
<INVESTMENTS-CARRYING>                               0                       0                       0
<INVESTMENTS-MARKET>                                 0                       0                       0
<LOANS>                                        593,134                 601,785                 612,453
<ALLOWANCE>                                      2,412                   2,407                   2,405
<TOTAL-ASSETS>                                 650,897                 662,482                 682,029
<DEPOSITS>                                     452,472                 466,109                 471,927
<SHORT-TERM>                                   108,949                  99,042                  68,991
<LIABILITIES-OTHER>                             11,463                  16,308                  18,830
<LONG-TERM>                                          0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                            27                      22                      22
<OTHER-SE>                                      55,444                  55,441                  54,319
<TOTAL-LIABILITIES-AND-EQUITY>                 650,897                 662,482                 682,029
<INTEREST-LOAN>                                 43,404                  32,755                  22,086
<INTEREST-INVEST>                                1,264                     984                     679
<INTEREST-OTHER>                                 1,033                     842                     514
<INTEREST-TOTAL>                                45,701                  34,581                  23,279
<INTEREST-DEPOSIT>                              19,691                  14,816                   9,914
<INTEREST-EXPENSE>                              28,967                  22,082                  15,026
<INTEREST-INCOME-NET>                           16,734                  12,499                   8,253
<LOAN-LOSSES>                                       50                      50                      50
<SECURITIES-GAINS>                                 452                     300                     308
<EXPENSE-OTHER>                                 25,696                  16,947                  11,088
<INCOME-PRETAX>                                  3,935                   5,071                   3,664
<INCOME-PRE-EXTRAORDINARY>                       3,935                   5,071                   3,664
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     3,074                   3,355                   2,223
<EPS-PRIMARY>                                     0.76                    0.83                    0.55
<EPS-DILUTED>                                     0.73                    0.80                    0.53
<YIELD-ACTUAL>                                    2.58                    2.54                    2.50
<LOANS-NON>                                        932                     731                     866
<LOANS-PAST>                                         0                       0                       0
<LOANS-TROUBLED>                                     0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                                 2,589                   2,589                   2,589
<CHARGE-OFFS>                                      246                     246                     246
<RECOVERIES>                                        19                      14                      12
<ALLOWANCE-CLOSE>                                2,412                   2,407                   2,405
<ALLOWANCE-DOMESTIC>                               550                     544                     573
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                          1,862                   1,863                   1,832