<ARTICLE>                                            9
<MULTIPLIER>                                         1,000
       
                                                      
<PERIOD-TYPE>                                9-MOS          YEAR
<FISCAL-YEAR-END>                            SEP-30-1996    SEP-30-1995     
<PERIOD-END>                                 JUN-30-1996    SEP-30-1995
<CASH>                                           812             462
<INT-BEARING-DEPOSITS>                           382             579
<FED-FUNDS-SOLD>                                   0               0  
<TRADING-ASSETS>                                   0               0
<INVESTMENTS-HELD-FOR-SALE>                    3,541           1,693    
<INVESTMENTS-CARRYING>                        75,059         103,032
<INVESTMENTS-MARKET>                          74,198         102,690
<LOANS>                                      115,836          99,260
<ALLOWANCE>                                      713             644
<TOTAL-ASSETS>                               200,469         208,632
<DEPOSITS>                                   147,352         144,957
<SHORT-TERM>                                  17,400          26,584
<LIABILITIES-OTHER>                            2,666           2,423
<LONG-TERM>                                        0               0
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<PREFERRED>                                        0               0
<COMMON>                                         228             228
<OTHER-SE>                                    32,822          34,439
<TOTAL-LIABILITIES-AND-EQUITY>               200,469         208,632  
<INTEREST-LOAN>                                6,544           6,449
<INTEREST-INVEST>                              4,220           7,203
<INTEREST-OTHER>                                   0               0
<INTEREST-TOTAL>                              10,764          13,652
<INTEREST-DEPOSIT>                             5,587           6,900
<INTEREST-EXPENSE>                               874           1,324
<INTEREST-INCOME-NET>                          4,303           5,428
<LOAN-LOSSES>                                     90               9
<SECURITIES-GAINS>                               146             123
<EXPENSE-OTHER>                                2,552           3,315
<INCOME-PRETAX>                                2,224           2,788
<INCOME-PRE-EXTRAORDINARY>                         0           1,763
<EXTRAORDINARY>                                    0               0
<CHANGES>                                          0               0
<NET-INCOME>                                   1,336           1,763
<EPS-PRIMARY>                                   0.68            0.82
<EPS-DILUTED>                                   0.66               0
<YIELD-ACTUAL>                                  2.92            2.76
<LOANS-NON>                                       26             244
<LOANS-PAST>                                       0               0
<LOANS-TROUBLED>                                  46               0
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<ALLOWANCE-OPEN>                                 644             619
<CHARGE-OFFS>                                     20               2
<RECOVERIES>                                       0              17
<ALLOWANCE-CLOSE>                                713             644
<ALLOWANCE-DOMESTIC>                             713             644
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