<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
                                                         
<PERIOD-TYPE>                              9-MOS                              
<FISCAL-YEAR-END>                          SEP-30-1996      
<PERIOD-END>                               JUN-30-1996      
<CASH>                                         603               
<INT-BEARING-DEPOSITS>                      21,529            
<FED-FUNDS-SOLD>                                 0               
<TRADING-ASSETS>                                 0               
<INVESTMENTS-HELD-FOR-SALE>                  1,648            
<INVESTMENTS-CARRYING>                       8,987           
<INVESTMENTS-MARKET>                         7,875        
<LOANS>                                     75,781             
<ALLOWANCE>                                    297              
<TOTAL-ASSETS>                             109,577            
<DEPOSITS>                                  77,845           
<SHORT-TERM>                                     0              
<LIABILITIES-OTHER>                            905            
<LONG-TERM>                                      0           
<PREFERRED-MANDATORY>                            0               
<PREFERRED>                                      0            
<COMMON>                                       218               
<OTHER-SE>                                  30,609             
<TOTAL-LIABILITIES-AND-EQUITY>             109,577          
<INTEREST-LOAN>                              4,441              
<INTEREST-INVEST>                              265              
<INTEREST-OTHER>                             1,057           
<INTEREST-TOTAL>                             5,763          
<INTEREST-DEPOSIT>                           2,936           
<INTEREST-EXPENSE>                               0           
<INTEREST-INCOME-NET>                        2,827              
<LOAN-LOSSES>                                    0               
<SECURITIES-GAINS>                               0                
<EXPENSE-OTHER>                              1,264            
<INCOME-PRETAX>                              1,636             
<INCOME-PRE-EXTRAORDINARY>                   1,636             
<EXTRAORDINARY>                                  0                 
<CHANGES>                                        0                 
<NET-INCOME>                                 1,068               
<EPS-PRIMARY>                                  .53              
<EPS-DILUTED>                                  .53            
<YIELD-ACTUAL>                                3.52               
<LOANS-NON>                                      0                 
<LOANS-PAST>                                   636               
<LOANS-TROUBLED>                                 0                
<LOANS-PROBLEM>                                  0               
<ALLOWANCE-OPEN>                               297               
<CHARGE-OFFS>                                    0                
<RECOVERIES>                                     0                  
<ALLOWANCE-CLOSE>                              297             
<ALLOWANCE-DOMESTIC>                           297            
<ALLOWANCE-FOREIGN>                              0              
<ALLOWANCE-UNALLOCATED>                          0