<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-Q
and is qualified in its entirety by reference to such Form 10-Q.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-END>                               DEC-31-1996
<CASH>                                          254000
<INT-BEARING-DEPOSITS>                         7902000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                        16543000
<INVESTMENTS-MARKET>                          16619000
<LOANS>                                      160788000
<ALLOWANCE>                                    1538000
<TOTAL-ASSETS>                               191879000
<DEPOSITS>                                   124084000
<SHORT-TERM>                                  18250000
<LIABILITIES-OTHER>                            2100000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         30000
<OTHER-SE>                                    47415000
<TOTAL-LIABILITIES-AND-EQUITY>               191879000
<INTEREST-LOAN>                                3438000
<INTEREST-INVEST>                               277000
<INTEREST-OTHER>                                125000
<INTEREST-TOTAL>                               3840000
<INTEREST-DEPOSIT>                             1639000
<INTEREST-EXPENSE>                             1870000
<INTEREST-INCOME-NET>                          1970000
<LOAN-LOSSES>                                   189000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 790000
<INCOME-PRETAX>                                1037000
<INCOME-PRE-EXTRAORDINARY>                     1037000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    644000
<EPS-PRIMARY>                                      .24
<EPS-DILUTED>                                      .24
<YIELD-ACTUAL>                                    8.30
<LOANS-NON>                                     277000
<LOANS-PAST>                                   1110000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                6520000
<ALLOWANCE-OPEN>                               1353000
<CHARGE-OFFS>                                     4000
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              1538000
<ALLOWANCE-DOMESTIC>                           1538000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0