<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> SEP-30-1997 <PERIOD-END> JUN-30-1997 <CASH> 1,449 <INT-BEARING-DEPOSITS> 8,076 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 144,185 <INVESTMENTS-MARKET> 143,268 <LOANS> 228,768 <ALLOWANCE> 427 <TOTAL-ASSETS> 408,590 <DEPOSITS> 247,010 <SHORT-TERM> 61,900 <LIABILITIES-OTHER> 7,121 <LONG-TERM> 54,200 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 225 <OTHER-SE> 38,134 <TOTAL-LIABILITIES-AND-EQUITY> 408,590 <INTEREST-LOAN> 11,404 <INTEREST-INVEST> 7,407 <INTEREST-OTHER> 147 <INTEREST-TOTAL> 18,958 <INTEREST-DEPOSIT> 8,158 <INTEREST-EXPENSE> 4,119 <INTEREST-INCOME-NET> 6,681 <LOAN-LOSSES> 101 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,813 <INCOME-PRETAX> 5,219 <INCOME-PRE-EXTRAORDINARY> 3,193 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,193 <EPS-PRIMARY> 1.65 <EPS-DILUTED> 1.65 <YIELD-ACTUAL> 2.62 <LOANS-NON> 581 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 421 <CHARGE-OFFS> 101 <RECOVERIES> 6 <ALLOWANCE-CLOSE> 427 <ALLOWANCE-DOMESTIC> 427 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0