<ARTICLE>   9
<LEGEND>
This schedule contains summary financial information extracted from the
registrants interim financial statements at and for the period ended March 31,
1996 and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>   1000
       
                             
<PERIOD-TYPE>                   6-mos
<FISCAL-YEAR-END>               SEP-30-1996
<PERIOD-END>                    MAR-31-1996
<CASH>                                          35,223
<INT-BEARING-DEPOSITS>                           1,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     14,588
<INVESTMENTS-CARRYING>                          91,281
<INVESTMENTS-MARKET>                            91,341
<LOANS>                                        106,916
<ALLOWANCE>                                      3,861
<TOTAL-ASSETS>                                 258,567
<DEPOSITS>                                     210,360
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                166
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,628
<OTHER-SE>                                      12,084
<TOTAL-LIABILITIES-AND-EQUITY>                 258,567
<INTEREST-LOAN>                                  4,891
<INTEREST-INVEST>                                3,084
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,975
<INTEREST-DEPOSIT>                               4,717
<INTEREST-EXPENSE>                               4,717
<INTEREST-INCOME-NET>                            3,258
<LOAN-LOSSES>                                      185
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,499
<INCOME-PRETAX>                                    281
<INCOME-PRE-EXTRAORDINARY>                         281
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       178
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.30
<LOANS-NON>                                      4,438
<LOANS-PAST>                                     4,438
<LOANS-TROUBLED>                                 3,245
<LOANS-PROBLEM>                                  6,687
<ALLOWANCE-OPEN>                                 5,061
<CHARGE-OFFS>                                    1,385
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                3,861
<ALLOWANCE-DOMESTIC>                             3,861
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0