<TABLE>
<S>
                              UNITED STATES
                    SECURITIES AND EXCHANGE COMMISSION
                         Washington, D.C.  20549

                               FORM 10-KSB

[X]  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT
OF 1934 [FEE
     REQUIRED]
         For the fiscal year ended September 30, 1996
                                    OR
[  ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES
EXCHANGE ACT OF 1934
     [NO FEE REQUIRED]
     For the transition period from              to                                                    
     Commission file number 0-25088


                                   PERRY COUNTY FINANCIAL CORPORATION          
                    
              (Name of small business issuer in its charter)


                     Missouri                   43-1694505 
(State or other jurisdiction of incorporation(I.R.S. Employer Identification No.)
 or organization)


14 North Jackson Street, Perryville, Missouri                         63775          
(Address of principal executive offices)                            (Zip Code)


Registrant's telephone number, including area code:  (573) 547-4581
<S>
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<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          155014
<INT-BEARING-DEPOSITS>                         3081483
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                   34312495
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                       41536465
<ALLOWANCE>                                      25000
<TOTAL-ASSETS>                                81149444
<DEPOSITS>                                    62711509
<SHORT-TERM>                                    250000
<LIABILITIES-OTHER>                             865509
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                          8565
<OTHER-SE>                                    15063861
<TOTAL-LIABILITIES-AND-EQUITY>                81149444
<INTEREST-LOAN>                                3026811
<INTEREST-INVEST>                              2165422
<INTEREST-OTHER>                                102669
<INTEREST-TOTAL>                               5294902
<INTEREST-DEPOSIT>                             3060814
<INTEREST-EXPENSE>                             3120437
<INTEREST-INCOME-NET>                          2174465
<LOAN-LOSSES>                                    15000
<SECURITIES-GAINS>                               96263
<EXPENSE-OTHER>                                1552036
<INCOME-PRETAX>                                 752681
<INCOME-PRE-EXTRAORDINARY>                      456500
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    456500
<EPS-PRIMARY>                                      .57
<EPS-DILUTED>                                      .57
<YIELD-ACTUAL>                                    2.80
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 10000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                25000
<ALLOWANCE-DOMESTIC>                             25000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          25000
        

</TABLE>



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