<ARTICLE>                                            9
<MULTIPLIER>                                   1,000
       
                                            
<PERIOD-TYPE>                                 9-MOS
<FISCAL-YEAR-END>                             SEP-30-1997
<PERIOD-END>                                  JUN-30-1997
<CASH>                                            898
<INT-BEARING-DEPOSITS>                            200
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     6,141
<INVESTMENTS-CARRYING>                         63,883
<INVESTMENTS-MARKET>                           63,929
<LOANS>                                       153,148
<ALLOWANCE>                                       881
<TOTAL-ASSETS>                                228,100
<DEPOSITS>                                    143,413
<SHORT-TERM>                                   50,133
<LIABILITIES-OTHER>                             3,099
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          228
<OTHER-SE>                                     31,227
<TOTAL-LIABILITIES-AND-EQUITY>                228,100
<INTEREST-LOAN>                                 8,617
<INTEREST-INVEST>                               3,724
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                               12,341
<INTEREST-DEPOSIT>                              5,444
<INTEREST-EXPENSE>                              1,747
<INTEREST-INCOME-NET>                           5,150
<LOAN-LOSSES>                                     210
<SECURITIES-GAINS>                                173
<EXPENSE-OTHER>                                 2,600
<INCOME-PRETAX>                                 3,107
<INCOME-PRE-EXTRAORDINARY>                          0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    1,860
<EPS-PRIMARY>                                    1.02
<EPS-DILUTED>                                    1.02
<YIELD-ACTUAL>                                   2.91
<LOANS-NON>                                       101
<LOANS-PAST>                                      612
<LOANS-TROUBLED>                                   69
<LOANS-PROBLEM>                                 1,280
<ALLOWANCE-OPEN>                                  740
<CHARGE-OFFS>                                      58
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 881
<ALLOWANCE-DOMESTIC>                              881
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0