<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-2000 <PERIOD-START> OCT-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 4,282 <INT-BEARING-DEPOSITS> 21,514 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 150,803 <INVESTMENTS-CARRYING> 14,146 <INVESTMENTS-MARKET> 13,550 <LOANS> 226,288 <ALLOWANCE> 1,858 <TOTAL-ASSETS> 450,848 <DEPOSITS> 263,153 <SHORT-TERM> 41,028 <LIABILITIES-OTHER> 7,415 <LONG-TERM> 100,379 <PREFERRED-MANDATORY> 6,360 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 16,313 <TOTAL-LIABILITIES-AND-EQUITY> 22,673 <INTEREST-LOAN> 4,442 <INTEREST-INVEST> 2,907 <INTEREST-OTHER> 121 <INTEREST-TOTAL> 7,470 <INTEREST-DEPOSIT> 2,683 <INTEREST-EXPENSE> 4,546 <INTEREST-INCOME-NET> 2,924 <LOAN-LOSSES> 105 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,354 <INCOME-PRETAX> 881 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 703 <EPS-BASIC> .34 <EPS-DILUTED> .33 <YIELD-ACTUAL> 7.31 <LOANS-NON> 2,460 <LOANS-PAST> 20 <LOANS-TROUBLED> 18 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,928 <CHARGE-OFFS> 175 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,858 <ALLOWANCE-DOMESTIC> 1,252 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 606