<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information from the annual report on
Form 10-K for the fiscal year ended and is qualified in its entirety by
reference to such.
</LEGEND>
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               SEP-30-1997
<CASH>                                       1,315,950
<INT-BEARING-DEPOSITS>                       3,084,500
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    739,366
<INVESTMENTS-CARRYING>                      16,363,330
<INVESTMENTS-MARKET>                        16,788,418
<LOANS>                                     84,391,398
<ALLOWANCE>                                    106,360
<TOTAL-ASSETS>                             107,795,956
<DEPOSITS>                                  77,372,969
<SHORT-TERM>                                 1,000,000
<LIABILITIES-OTHER>                            706,610
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        20,476
<OTHER-SE>                                  28,716,377
<TOTAL-LIABILITIES-AND-EQUITY>             107,795,956
<INTEREST-LOAN>                              5,943,627
<INTEREST-INVEST>                            1,241,743
<INTEREST-OTHER>                               452,155
<INTEREST-TOTAL>                             7,637,525
<INTEREST-DEPOSIT>                           3,771,889
<INTEREST-EXPENSE>                           3,771,889
<INTEREST-INCOME-NET>                        3,865,636
<LOAN-LOSSES>                                   12,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,785,500
<INCOME-PRETAX>                              2,296,889
<INCOME-PRE-EXTRAORDINARY>                   2,296,889
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,610,739
<EPS-PRIMARY>                                      .80
<EPS-DILUTED>                                      .80
<YIELD-ACTUAL>                                    3.83
<LOANS-NON>                                          0
<LOANS-PAST>                                   572,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                94,360
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              106,360
<ALLOWANCE-DOMESTIC>                           106,360
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         10,000