<ARTICLE>                                            9
       
                                            
<PERIOD-TYPE>                   YEAR              9-MOS
<FISCAL-YEAR-END>               SEP-30-1995       SEP-30-1996
<PERIOD-END>                    SEP-30-1995       JUN-30-1996
<CASH>                            1,187               897
<INT-BEARING-DEPOSITS>            4,490             4,831
<FED-FUNDS-SOLD>                      0                 0
<TRADING-ASSETS>                      0                 0
<INVESTMENTS-HELD-FOR-SALE>           0                 0
<INVESTMENTS-CARRYING>           96,453           125,001
<INVESTMENTS-MARKET>             96,526           121,015
<LOANS>                         147,327           159,211
<ALLOWANCE>                         423               381
<TOTAL-ASSETS>                  270,923           313,759
<DEPOSITS>                      195,716           215,213
<SHORT-TERM>                     18,000            46,500
<LIABILITIES-OTHER>               5,472             5,342
<LONG-TERM>                      15,000            10,000
<PREFERRED-MANDATORY>                 0                 0
<PREFERRED>                           0                 0
<COMMON>                            225               225
<OTHER-SE>                       36,510            36,479
<TOTAL-LIABILITIES-AND-EQUITY>  270,923           313,759
<INTEREST-LOAN>                  10,310             8,399
<INTEREST-INVEST>                 5,587             5,851
<INTEREST-OTHER>                    328               272
<INTEREST-TOTAL>                 16,225            14,522
<INTEREST-DEPOSIT>                7,501             7,013
<INTEREST-EXPENSE>                1,503             1,757
<INTEREST-INCOME-NET>             7,221             5,752
<LOAN-LOSSES>                       224                23
<SECURITIES-GAINS>                    0                 0
<EXPENSE-OTHER>                   8,201             6,816
<INCOME-PRETAX>                   6,550             4,257
<INCOME-PRE-EXTRAORDINARY>        4,106             2,666
<EXTRAORDINARY>                       0                 0
<CHANGES>                             0                 0
<NET-INCOME>                      4,106             2,666
<EPS-PRIMARY>                      1.97              1.35
<EPS-DILUTED>                      1.97              1.35
<YIELD-ACTUAL>                     3.32              2.96
<LOANS-NON>                         392               286
<LOANS-PAST>                          0                 0
<LOANS-TROUBLED>                      0                 0
<LOANS-PROBLEM>                       0                 0
<ALLOWANCE-OPEN>                    275               423
<CHARGE-OFFS>                        80                76
<RECOVERIES>                          4                11
<ALLOWANCE-CLOSE>                   423               381
<ALLOWANCE-DOMESTIC>                423               381
<ALLOWANCE-FOREIGN>                   0                 0
<ALLOWANCE-UNALLOCATED>               0                 0