<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FINANCIAL
STATEMENTS FOR THE NINE MONTHS ENDED JUNE 30, 1996, AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH 10QSB.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-START>                             OCT-01-1995
<PERIOD-END>                               JUN-30-1996
<CASH>                                       1,484,946
<INT-BEARING-DEPOSITS>                       2,465,717
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                       9,063,011
<INVESTMENTS-MARKET>                           967,660
<LOANS>                                     68,689,589
<ALLOWANCE>                                    596,359
<TOTAL-ASSETS>                              85,403,074
<DEPOSITS>                                  78,332,475
<SHORT-TERM>                                 2,155,431
<LIABILITIES-OTHER>                            248,523
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                    430,250
<COMMON>                                         9,411
<OTHER-SE>                                   4,226,984
<TOTAL-LIABILITIES-AND-EQUITY>              85,403,074
<INTEREST-LOAN>                              4,361,665
<INTEREST-INVEST>                              599,779
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             4,961,444
<INTEREST-DEPOSIT>                           3,231,451
<INTEREST-EXPENSE>                           3,266,117
<INTEREST-INCOME-NET>                        1,695,327
<LOAN-LOSSES>                                    8,570
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,692,935
<INCOME-PRETAX>                                146,426
<INCOME-PRE-EXTRAORDINARY>                     146,426
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   150,426
<EPS-PRIMARY>                                     0.16
<EPS-DILUTED>                                     0.16
<YIELD-ACTUAL>                                    2.08
<LOANS-NON>                                    910,218
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,267,517
<ALLOWANCE-OPEN>                               607,450
<CHARGE-OFFS>                                   30,766
<RECOVERIES>                                    11,105
<ALLOWANCE-CLOSE>                              596,359
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        596,359