WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Condition at December 31, 1998 (unaudited) and the
Consolidated Statement of Earnings for the three months ended December 31, 1998
(unaudited) and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                            4527
<INT-BEARING-DEPOSITS>                             498
<FED-FUNDS-SOLD>                                   100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      75787
<INVESTMENTS-CARRYING>                            9910
<INVESTMENTS-MARKET>                             10027
<LOANS>                                         442039
<ALLOWANCE>                                        630
<TOTAL-ASSETS>                                  540679
<DEPOSITS>                                      338447
<SHORT-TERM>                                     27200
<LIABILITIES-OTHER>                              10650
<LONG-TERM>                                     121000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            38
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<TOTAL-LIABILITIES-AND-EQUITY>                  540679
<INTEREST-LOAN>                                   7937
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<INTEREST-TOTAL>                                  9270
<INTEREST-DEPOSIT>                                3865
<INTEREST-EXPENSE>                                5640
<INTEREST-INCOME-NET>                             3630
<LOAN-LOSSES>                                       25
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   2418
<INCOME-PRETAX>                                   1449
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       909
<EPS-BASIC>                                        .38
<EPS-DILUTED>                                      .36
<YIELD-ACTUAL>                                    2.37 
<LOANS-NON>                                        719
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                                   591
<CHARGE-OFFS>                                        3
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<ALLOWANCE-CLOSE>                                  630
<ALLOWANCE-DOMESTIC>                               630
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0