<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Condition at September 30, 1999 and the Consolidated
Statement of Earnings for the year ended September 30, 1999 and is qualified in
its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                            2714
<INT-BEARING-DEPOSITS>                             576
<FED-FUNDS-SOLD>                                   100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      66070
<INVESTMENTS-CARRYING>                           13200
<INVESTMENTS-MARKET>                             13252
<LOANS>                                         508337
<ALLOWANCE>                                        780
<TOTAL-ASSETS>                                  599281
<DEPOSITS>                                      357016
<SHORT-TERM>                                    156250
<LIABILITIES-OTHER>                              13994
<LONG-TERM>                                      30000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            38
<OTHER-SE>                                       41983
<TOTAL-LIABILITIES-AND-EQUITY>                  599281
<INTEREST-LOAN>                                  33787
<INTEREST-INVEST>                                 5457
<INTEREST-OTHER>                                    50
<INTEREST-TOTAL>                                 39294
<INTEREST-DEPOSIT>                               15070
<INTEREST-EXPENSE>                               23762
<INTEREST-INCOME-NET>                            15532
<LOAN-LOSSES>                                      165
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   9840
<INCOME-PRETAX>                                   6673
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      4130
<EPS-BASIC>                                       1.85
<EPS-DILUTED>                                     1.76
<YIELD-ACTUAL>                                    2.43
<LOANS-NON>                                        343
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   591
<CHARGE-OFFS>                                        8
<RECOVERIES>                                        32
<ALLOWANCE-CLOSE>                                  780
<ALLOWANCE-DOMESTIC>                               780
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             52