<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                         507,893
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 55,597,566
<INVESTMENTS-CARRYING>                      16,404,370
<INVESTMENTS-MARKET>                        16,265,523
<LOANS>                                    120,365,181
<ALLOWANCE>                                    560,202
<TOTAL-ASSETS>                             200,238,391
<DEPOSITS>                                 138,683,101
<SHORT-TERM>                                 2,700,000
<LIABILITIES-OTHER>                          1,664,951
<LONG-TERM>                                 30,926,565
<COMMON>                                             0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  26,263,774
<TOTAL-LIABILITIES-AND-EQUITY>             200,238,391
<INTEREST-LOAN>                              7,028,568
<INTEREST-INVEST>                            2,885,250
<INTEREST-OTHER>                               127,070
<INTEREST-TOTAL>                            10,040,888
<INTEREST-DEPOSIT>                           4,951,612
<INTEREST-EXPENSE>                           5,839,665
<INTEREST-INCOME-NET>                        4,201,223
<LOAN-LOSSES>                                   73,000
<SECURITIES-GAINS>                              78,403
<EXPENSE-OTHER>                              2,943,485
<INCOME-PRETAX>                              1,564,647
<INCOME-PRE-EXTRAORDINARY>                   1,033,647
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,033,647
<EPS-PRIMARY>                                      .47
<EPS-DILUTED>                                      .47
<YIELD-ACTUAL>                                    3.16
<LOANS-NON>                                    306,000
<LOANS-PAST>                                   342,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               487,202
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              560,202
<ALLOWANCE-DOMESTIC>                           560,202
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        234,752