<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Condition at June 30, 1999 (unaudited) and the
Consolidated Statement of Earnings for the nine months ended June 30, 1999
(unaudited) and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               JUN-30-1999
<CASH>                                            2110
<INT-BEARING-DEPOSITS>                             837
<FED-FUNDS-SOLD>                                   100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      75254
<INVESTMENTS-CARRYING>                            3799
<INVESTMENTS-MARKET>                              3882
<LOANS>                                         487768
<ALLOWANCE>                                        709
<TOTAL-ASSETS>                                  457059
<DEPOSITS>                                      341181
<SHORT-TERM>                                     85400
<LIABILITIES-OTHER>                              10940
<LONG-TERM>                                      99000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            38
<OTHER-SE>                                       40807
<TOTAL-LIABILITIES-AND-EQUITY>                  577366
<INTEREST-LOAN>                                  24639
<INTEREST-INVEST>                                 4091
<INTEREST-OTHER>                                    39
<INTEREST-TOTAL>                                 28769
<INTEREST-DEPOSIT>                               11219
<INTEREST-EXPENSE>                               17306
<INTEREST-INCOME-NET>                            11463
<LOAN-LOSSES>                                       95
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   7386
<INCOME-PRETAX>                                   4821
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      3013
<EPS-BASIC>                                       1.33
<EPS-DILUTED>                                     1.26
<YIELD-ACTUAL>                                    2.89
<LOANS-NON>                                        370
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   591
<CHARGE-OFFS>                                        8
<RECOVERIES>                                        31
<ALLOWANCE-CLOSE>                                  709
<ALLOWANCE-DOMESTIC>                               709
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0