<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-1997 <PERIOD-END> DEC-31-1997 <CASH> 689 <INT-BEARING-DEPOSITS> 2,896 <FED-FUNDS-SOLD> 15,175 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 75,948 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 195,372 <ALLOWANCE> 620 <TOTAL-ASSETS> 301,261 <DEPOSITS> 147,026 <SHORT-TERM> 40,000 <LIABILITIES-OTHER> 0 <LONG-TERM> 80,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 23 <OTHER-SE> 32,364 <TOTAL-LIABILITIES-AND-EQUITY> 301,261 <INTEREST-LOAN> 4,138 <INTEREST-INVEST> 1,080 <INTEREST-OTHER> 227 <INTEREST-TOTAL> 5,445 <INTEREST-DEPOSIT> 1,884 <INTEREST-EXPENSE> 3,472 <INTEREST-INCOME-NET> 1,973 <LOAN-LOSSES> 45 <SECURITIES-GAINS> 23 <EXPENSE-OTHER> 1209 <INCOME-PRETAX> 787 <INCOME-PRE-EXTRAORDINARY> 787 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 516 <EPS-PRIMARY> .27 <EPS-DILUTED> .25 <YIELD-ACTUAL> 7.72 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 575 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 620 <ALLOWANCE-DOMESTIC> 620 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0