<ARTICLE>                                           9
<MULTIPLIER>                                     1000

       
                                            
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-END>                                   DEC-31-1996
<CASH>                                              3,468
<INT-BEARING-DEPOSITS>                                199
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                         4,620
<INVESTMENTS-CARRYING>                             70,970<F1>
<INVESTMENTS-MARKET>                               71,259<F1>
<LOANS>                                           139,087
<ALLOWANCE>                                           789
<TOTAL-ASSETS>                                    221,978
<DEPOSITS>                                        142,574
<SHORT-TERM>                                       43,267
<LIABILITIES-OTHER>                                 3,428
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                              228
<OTHER-SE>                                         32,481
<TOTAL-LIABILITIES-AND-EQUITY>                    221,978
<INTEREST-LOAN>                                     2,751
<INTEREST-INVEST>                                   1,279<F1>
<INTEREST-OTHER>                                        0
<INTEREST-TOTAL>                                    4,030
<INTEREST-DEPOSIT>                                  1,815
<INTEREST-EXPENSE>                                    517
<INTEREST-INCOME-NET>                               1,698
<LOAN-LOSSES>                                          45
<SECURITIES-GAINS>                                    109<F1>
<EXPENSE-OTHER>                                       872
<INCOME-PRETAX>                                     1,084
<INCOME-PRE-EXTRAORDINARY>                              0
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                          652
<EPS-PRIMARY>                                         .35
<EPS-DILUTED>                                         .35
<YIELD-ACTUAL>                                       2.60
<LOANS-NON>                                           496
<LOANS-PAST>                                          223
<LOANS-TROUBLED>                                       98
<LOANS-PROBLEM>                                     1,463
<ALLOWANCE-OPEN>                                      740
<CHARGE-OFFS>                                           5
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                     789
<ALLOWANCE-DOMESTIC>                                  789
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0
<FN>
<F1>INCLUDES MORTGAGE BACKED SECURITIES
</FN>