<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE FISCAL QUARTER ENDED JUNE 30, 1996 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                         286,082
<INT-BEARING-DEPOSITS>                       1,587,808
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 97,851,515
<INVESTMENTS-CARRYING>                      38,395,766
<INVESTMENTS-MARKET>                        37,511,700
<LOANS>                                     90,787,120
<ALLOWANCE>                                    327,000
<TOTAL-ASSETS>                             237,295,825
<DEPOSITS>                                 125,517,693
<SHORT-TERM>                                13,000,000
<LIABILITIES-OTHER>                          1,153,761
<LONG-TERM>                                 41,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        39,675
<OTHER-SE>                                  54,915,048
<TOTAL-LIABILITIES-AND-EQUITY>             237,295,825
<INTEREST-LOAN>                              8,372,418
<INTEREST-INVEST>                            3,947,817
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            12,320,235
<INTEREST-DEPOSIT>                           4,862,113
<INTEREST-EXPENSE>                           7,217,920
<INTEREST-INCOME-NET>                        5,102,315
<LOAN-LOSSES>                                   52,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,226,493
<INCOME-PRETAX>                              2,033,398
<INCOME-PRE-EXTRAORDINARY>                   1,687,398
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,687,398
<EPS-PRIMARY>                                      .46
<EPS-DILUTED>                                      .46
<YIELD-ACTUAL>                                    2.99
<LOANS-NON>                                    470,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               312,000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              327,000
<ALLOWANCE-DOMESTIC>                           327,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0