<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> SEP-30-1999 <PERIOD-START> OCT-01-1998 <PERIOD-END> SEP-30-1999 <CASH> 3,010 <INT-BEARING-DEPOSITS> 17,005 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 157,361 <INVESTMENTS-CARRYING> 14,497 <INVESTMENTS-MARKET> 14,100 <LOANS> 228,167 <ALLOWANCE> 1,928 <TOTAL-ASSETS> 450,126 <DEPOSITS> 260,826 <SHORT-TERM> 47,350 <LIABILITIES-OTHER> 23,409 <LONG-TERM> 95,087 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,269 <OTHER-SE> 17,635 <TOTAL-LIABILITIES-AND-EQUITY> 450,126 <INTEREST-LOAN> 17,366 <INTEREST-INVEST> 10,914 <INTEREST-OTHER> 414 <INTEREST-TOTAL> 28,694 <INTEREST-DEPOSIT> 10,265 <INTEREST-EXPENSE> 16,956 <INTEREST-INCOME-NET> 11,738 <LOAN-LOSSES> 259 <SECURITIES-GAINS> 291 <EXPENSE-OTHER> 9,501 <INCOME-PRETAX> 3,765 <INCOME-PRE-EXTRAORDINARY> 2,848 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,848 <EPS-BASIC> 1.40 <EPS-DILUTED> 1.32 <YIELD-ACTUAL> 7.15 <LOANS-NON> 3,179 <LOANS-PAST> 1 <LOANS-TROUBLED> 24 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,738 <CHARGE-OFFS> 72 <RECOVERIES> 3 <ALLOWANCE-CLOSE> 1,928 <ALLOWANCE-DOMESTIC> 1,114 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 814