<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-1997 <PERIOD-END> DEC-31-1997 <CASH> 1245 <INT-BEARING-DEPOSITS> 2405 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 12476 <INVESTMENTS-CARRYING> 5185 <INVESTMENTS-MARKET> 5350 <LOANS> 141158 <ALLOWANCE> 944 <TOTAL-ASSETS> 172108 <DEPOSITS> 115899 <SHORT-TERM> 19164 <LIABILITIES-OTHER> 567 <LONG-TERM> 22001 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8 <OTHER-SE> 13935 <TOTAL-LIABILITIES-AND-EQUITY> 172108 <INTEREST-LOAN> 2892 <INTEREST-INVEST> 349 <INTEREST-OTHER> 27 <INTEREST-TOTAL> 3268 <INTEREST-DEPOSIT> 1304 <INTEREST-EXPENSE> 1811 <INTEREST-INCOME-NET> 1457 <LOAN-LOSSES> 45 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1109 <INCOME-PRETAX> 573 <INCOME-PRE-EXTRAORDINARY> 360 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 360 <EPS-PRIMARY> 0.43 <EPS-DILUTED> 0.40 <YIELD-ACTUAL> 8.20 <LOANS-NON> 652 <LOANS-PAST> 0 <LOANS-TROUBLED> 303 <LOANS-PROBLEM> 1030 <ALLOWANCE-OPEN> 799 <CHARGE-OFFS> 25 <RECOVERIES> 19 <ALLOWANCE-CLOSE> 944 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 944