WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  


<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   ?????                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1996             ??????????? 
<PERIOD-START>                             OCT-01-1995             ???????????
<PERIOD-END>                               JUN-30-1996             ???????????
<CASH>                                         127,511                  92,534
<INT-BEARING-DEPOSITS>                          12,628                   5,407
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                  9,012,821              10,008,552
<INVESTMENTS-CARRYING>                       5,381,927               4,168,960
<INVESTMENTS-MARKET>                         5,229,624               3,732,724
<LOANS>                                     37,355,664              39,359,998
<ALLOWANCE>                                    360,514                 377,514
<TOTAL-ASSETS>                              53,206,257              55,098,276
<DEPOSITS>                                  43,143,857              42,527,331
<SHORT-TERM>                                 2,537,938               4,942,091
<LIABILITIES-OTHER>                            352,586                 418,773
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                     3,069,696               2,778,543
<OTHER-SE>                                   4,103,180               4,431,538
<TOTAL-LIABILITIES-AND-EQUITY>              53,206,257              55,098,276
<INTEREST-LOAN>                                      0               2,306,166
<INTEREST-INVEST>                                    0                 690,146
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                     0               2,996,312
<INTEREST-DEPOSIT>                                   0               1,468,855
<INTEREST-EXPENSE>                                   0               1,640,333
<INTEREST-INCOME-NET>                                0               1,355,979
<LOAN-LOSSES>                                        0                  25,000
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                      0                 899,965
<INCOME-PRETAX>                                      0                 463,646
<INCOME-PRE-EXTRAORDINARY>                           0                 463,646
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                         0                 295,646
<EPS-PRIMARY>                                        ?                       ?
<EPS-DILUTED>                                        0                     .71
<YIELD-ACTUAL>                                       0                    7.61
<LOANS-NON>                                          0                 380,362
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                 665,831
<LOANS-PROBLEM>                                      0                 357,944
<ALLOWANCE-OPEN>                                     0                 435,983
<CHARGE-OFFS>                                        0                  18,977
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                    0                 442,006
<ALLOWANCE-DOMESTIC>                                 0                 442,006
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0