<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-1999 <PERIOD-START> APR-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 2,733 <INT-BEARING-DEPOSITS> 22,000 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 151,747 <INVESTMENTS-CARRYING> 15,538 <INVESTMENTS-MARKET> 15,060 <LOANS> 222,526 <ALLOWANCE> 1,857 <TOTAL-ASSETS> 442,080 <DEPOSITS> 258,618 <SHORT-TERM> 40,206 <LIABILITIES-OTHER> 23,992 <LONG-TERM> 95,385 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,156 <OTHER-SE> 17,723 <TOTAL-LIABILITIES-AND-EQUITY> 442,080 <INTEREST-LOAN> 4,329 <INTEREST-INVEST> 2,604 <INTEREST-OTHER> 117 <INTEREST-TOTAL> 7,050 <INTEREST-DEPOSIT> 2,542 <INTEREST-EXPENSE> 4,146 <INTEREST-INCOME-NET> 2,904 <LOAN-LOSSES> 84 <SECURITIES-GAINS> 42 <EXPENSE-OTHER> 2,223 <INCOME-PRETAX> 969 <INCOME-PRE-EXTRAORDINARY> 969 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 969 <EPS-BASIC> .35 <EPS-DILUTED> .34 <YIELD-ACTUAL> 7.05 <LOANS-NON> 3,759 <LOANS-PAST> 2 <LOANS-TROUBLED> 42 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,782 <CHARGE-OFFS> 11 <RECOVERIES> 2 <ALLOWANCE-CLOSE> 1,857 <ALLOWANCE-DOMESTIC> 1,207 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 650