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 March 31, 1999 (unaudited) and the 
Consolidated Statement of Earnings for the six months ended March 31, 1999
(unaudited) and is qualified in its entirety by reference to such financial 
statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               MAR-31-1999
<CASH>                                            1994
<INT-BEARING-DEPOSITS>                             220
<FED-FUNDS-SOLD>                                   100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      76309
<INVESTMENTS-CARRYING>                            8783
<INVESTMENTS-MARKET>                              8901
<LOANS>                                         459298
<ALLOWANCE>                                        654
<TOTAL-ASSETS>                                  458644
<DEPOSITS>                                      334906
<SHORT-TERM>                                     48200
<LIABILITIES-OTHER>                               8668
<LONG-TERM>                                     121000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            38
<OTHER-SE>                                       42415
<TOTAL-LIABILITIES-AND-EQUITY>                  555227
<INTEREST-LOAN>                                  16049
<INTEREST-INVEST>                                 2717
<INTEREST-OTHER>                                    29
<INTEREST-TOTAL>                                 18795
<INTEREST-DEPOSIT>                                7487
<INTEREST-EXPENSE>                               11320
<INTEREST-INCOME-NET>                             7475
<LOAN-LOSSES>                                       40
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   4869
<INCOME-PRETAX>                                   3045
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1903
<EPS-BASIC>                                        .83
<EPS-DILUTED>                                      .78
<YIELD-ACTUAL>                                    2.43 
<LOANS-NON>                                        128
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   591
<CHARGE-OFFS>                                        3
<RECOVERIES>                                        18
<ALLOWANCE-CLOSE>                                  654
<ALLOWANCE-DOMESTIC>                               654
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0