<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-1999 <PERIOD-START> OCT-01-1998 <PERIOD-END> MAR-31-1999 <CASH> 2,525 <INT-BEARING-DEPOSITS> 24,385 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 16,509 <INVESTMENTS-CARRYING> 16,290 <INVESTMENTS-MARKET> 148,847 <LOANS> 222,630 <ALLOWANCE> 0 <TOTAL-ASSETS> 438,742 <DEPOSITS> 260,238 <SHORT-TERM> 19,200 <LIABILITIES-OTHER> 22,918 <LONG-TERM> 110,421 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,252 <OTHER-SE> 19,713 <TOTAL-LIABILITIES-AND-EQUITY> 25,965 <INTEREST-LOAN> 4,394 <INTEREST-INVEST> 2,581 <INTEREST-OTHER> 108 <INTEREST-TOTAL> 7,083 <INTEREST-DEPOSIT> 2,551 <INTEREST-EXPENSE> 4,162 <INTEREST-INCOME-NET> 2,921 <LOAN-LOSSES> 75 <SECURITIES-GAINS> 249 <EXPENSE-OTHER> 2,594 <INCOME-PRETAX> 939 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 711 <EPS-PRIMARY> .35 <EPS-DILUTED> .33 <YIELD-ACTUAL> 7.13 <LOANS-NON> 2,859 <LOANS-PAST> 9 <LOANS-TROUBLED> 67 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,755 <CHARGE-OFFS> 48 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,782 <ALLOWANCE-DOMESTIC> 1,070 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 712