<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                         922,237
<INT-BEARING-DEPOSITS>                         399,354
<FED-FUNDS-SOLD>                             2,900,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 41,609,760
<INVESTMENTS-CARRYING>                      13,878,099
<INVESTMENTS-MARKET>                        13,728,909
<LOANS>                                    110,227,516
<ALLOWANCE>                                    507,202
<TOTAL-ASSETS>                             175,706,224
<DEPOSITS>                                 131,909,574
<SHORT-TERM>                                 1,000,000
<LIABILITIES-OTHER>                            490,833
<LONG-TERM>                                 14,733,624
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                  27,092,373
<TOTAL-LIABILITIES-AND-EQUITY>             175,706,224
<INTEREST-LOAN>                              2,368,933
<INTEREST-INVEST>                              908,450
<INTEREST-OTHER>                                23,742
<INTEREST-TOTAL>                             3,301,125
<INTEREST-DEPOSIT>                           1,618,056
<INTEREST-EXPENSE>                           1,883,008
<INTEREST-INCOME-NET>                        1,418,117
<LOAN-LOSSES>                                   20,000
<SECURITIES-GAINS>                              32,691
<EXPENSE-OTHER>                              1,010,168
<INCOME-PRETAX>                                598,938
<INCOME-PRE-EXTRAORDINARY>                     394,938
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   394,938
<EPS-PRIMARY>                                      .18
<EPS-DILUTED>                                      .18
<YIELD-ACTUAL>                                    3.24
<LOANS-NON>                                    306,000
<LOANS-PAST>                                   276,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               487,202
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              507,202
<ALLOWANCE-DOMESTIC>                           507,202
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        194,824