<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>                   9-mos
<FISCAL-YEAR-END>                                   SEP-30-1996
<PERIOD-END>                                        JUN-30-1996
<CASH>                                                5,197
<INT-BEARING-DEPOSITS>                               12,000
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                          22,430
<INVESTMENTS-CARRYING>                               93,234
<INVESTMENTS-MARKET>                                 93,234
<LOANS>                                             109,968
<ALLOWANCE>                                           3,675
<TOTAL-ASSETS>                                      252,095
<DEPOSITS>                                          207,318
<SHORT-TERM>                                              0
<LIABILITIES-OTHER>                                     211
<LONG-TERM>                                               0
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                             30,621
<OTHER-SE>                                           12,365
<TOTAL-LIABILITIES-AND-EQUITY>                      252,095
<INTEREST-LOAN>                                       7,269
<INTEREST-INVEST>                                     5,062
<INTEREST-OTHER>                                          0
<INTEREST-TOTAL>                                     12,331
<INTEREST-DEPOSIT>                                    7,063
<INTEREST-EXPENSE>                                    7,063
<INTEREST-INCOME-NET>                                 5,268
<LOAN-LOSSES>                                           335
<SECURITIES-GAINS>                                        0
<EXPENSE-OTHER>                                       3,644
<INCOME-PRETAX>                                       1,052
<INCOME-PRE-EXTRAORDINARY>                            1,052
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                            672
<EPS-PRIMARY>                                           .21
<EPS-DILUTED>                                           .21
<YIELD-ACTUAL>                                         7.17
<LOANS-NON>                                           4,017
<LOANS-PAST>                                          4,017
<LOANS-TROUBLED>                                      3,015
<LOANS-PROBLEM>                                       5,948
<ALLOWANCE-OPEN>                                      5,061
<CHARGE-OFFS>                                         1,721
<RECOVERIES>                                              0
<ALLOWANCE-CLOSE>                                     3,675
<ALLOWANCE-DOMESTIC>                                  3,675
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0