<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-K
and is qualified in its entirety by reference to such Form 10-K.
</LEGEND>
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                         461,000
<INT-BEARING-DEPOSITS>                      10,048,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      13,882,000
<INVESTMENTS-MARKET>                        13,921,000
<LOANS>                                    178,414,000
<ALLOWANCE>                                  1,624,000
<TOTAL-ASSETS>                             212,504,000
<DEPOSITS>                                 128,771,000
<SHORT-TERM>                                35,250,000
<LIABILITIES-OTHER>                          3,816,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,000
<OTHER-SE>                                  44,637,000
<TOTAL-LIABILITIES-AND-EQUITY>             212,504,000
<INTEREST-LOAN>                             14,535,000
<INTEREST-INVEST>                              975,000
<INTEREST-OTHER>                               479,000
<INTEREST-TOTAL>                            15,989,000
<INTEREST-DEPOSIT>                           6,583,000
<INTEREST-EXPENSE>                           8,179,000
<INTEREST-INCOME-NET>                        7,810,000
<LOAN-LOSSES>                                  285,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,670,000
<INCOME-PRETAX>                              4,074,000
<INCOME-PRE-EXTRAORDINARY>                   4,074,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,510,000
<EPS-PRIMARY>                                      .97
<EPS-DILUTED>                                      .97
<YIELD-ACTUAL>                                    8.34
<LOANS-NON>                                    262,000
<LOANS-PAST>                                   796,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              9,574,000
<ALLOWANCE-OPEN>                             1,353,000
<CHARGE-OFFS>                                   14,000
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            1,624,000
<ALLOWANCE-DOMESTIC>                         1,624,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0