<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION FROM FORM 10-K AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-K.
</LEGEND>

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       5,464,000
<INT-BEARING-DEPOSITS>                         840,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      23,301,000
<INVESTMENTS-MARKET>                        22,911,000
<LOANS>                                    284,777,000
<ALLOWANCE>                                  2,119,000
<TOTAL-ASSETS>                             308,864,000
<DEPOSITS>                                 149,185,000
<SHORT-TERM>                               112,836,000
<LIABILITIES-OTHER>                          6,457,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,000
<OTHER-SE>                                  40,356,000
<TOTAL-LIABILITIES-AND-EQUITY>             308,864,000
<INTEREST-LOAN>                             19,616,000
<INTEREST-INVEST>                            1,383,000
<INTEREST-OTHER>                               424,000
<INTEREST-TOTAL>                            21,423,000
<INTEREST-DEPOSIT>                           7,582,000
<INTEREST-EXPENSE>                          13,225,000
<INTEREST-INCOME-NET>                        8,198,000
<LOAN-LOSSES>                                  523,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              5,194,000
<INCOME-PRETAX>                              3,135,000
<INCOME-PRE-EXTRAORDINARY>                   3,135,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,101,000
<EPS-BASIC>                                       1.12
<EPS-DILUTED>                                     1.12
<YIELD-ACTUAL>                                    8.14
<LOANS-NON>                                  2,062,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                             10,454,000
<ALLOWANCE-OPEN>                             1,602,000
<CHARGE-OFFS>                                    6,000
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            2,119,000
<ALLOWANCE-DOMESTIC>                         2,119,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0