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<PERIOD-TYPE>                                                                          12-MOS
<FISCAL-YEAR-END>                                                                SEP-30-1999
<PERIOD-END>                                                                     SEP-30-1999
<CASH>                                                                                  3,025
<INT-BEARING-DEPOSITS>                                                                      0
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<TRADING-ASSETS>                                                                            0
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<ALLOWANCE>                                                                             2,093
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<LONG-TERM>                                                                            25,000
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<PREFERRED>                                                                                 0
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<OTHER-SE>                                                                             59,155
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<INTEREST-OTHER>                                                                            7
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<LOAN-LOSSES>                                                                             190
<SECURITIES-GAINS>                                                                        (45)
<EXPENSE-OTHER>                                                                         6,184
<INCOME-PRETAX>                                                                         5,649
<INCOME-PRE-EXTRAORDINARY>                                                              5,649
<EXTRAORDINARY>                                                                             0
<CHANGES>                                                                                   0
<NET-INCOME>                                                                            4,225
<EPS-BASIC>                                                                            1.13
<EPS-DILUTED>                                                                            1.10
<YIELD-ACTUAL>                                                                           3.94
<LOANS-NON>                                                                               396
<LOANS-PAST>                                                                              148
<LOANS-TROUBLED>                                                                            0
<LOANS-PROBLEM>                                                                           299
<ALLOWANCE-OPEN>                                                                        1,950
<CHARGE-OFFS>                                                                              95
<RECOVERIES>                                                                               48
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<ALLOWANCE-DOMESTIC>                                                                    1,674
<ALLOWANCE-FOREIGN>                                                                         0
<ALLOWANCE-UNALLOCATED>                                                                   419