<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     ANNUAL REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
     SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

                                         
<PERIOD-TYPE>                                 3-MOS
<FISCAL-YEAR-END>                             SEP-30-2000
<PERIOD-END>                                  DEC-31-1999
<CASH>                                         12,107
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    47,942
<INVESTMENTS-CARRYING>                         46,744
<INVESTMENTS-MARKET>                           44,722
<LOANS>                                       293,929
<ALLOWANCE>                                    (1,426)
<TOTAL-ASSETS>                                418,442
<DEPOSITS>                                    232,547
<SHORT-TERM>                                  140,919
<LIABILITIES-OTHER>                             2,852
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          450
<OTHER-SE>                                     41,674
<TOTAL-LIABILITIES-AND-EQUITY>                418,442
<INTEREST-LOAN>                                 6,110
<INTEREST-INVEST>                               1,424
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                7,534
<INTEREST-DEPOSIT>                              2,460
<INTEREST-EXPENSE>                              1,926
<INTEREST-INCOME-NET>                           3,148
<LOAN-LOSSES>                                      54
<SECURITIES-GAINS>                                346
<EXPENSE-OTHER>                                 2,946
<INCOME-PRETAX>                                 1,344
<INCOME-PRE-EXTRAORDINARY>                        821
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      821
<EPS-BASIC>                                       .32
<EPS-DILUTED>                                     .31
<YIELD-ACTUAL>                                   2.93
<LOANS-NON>                                       592
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                1,387
<CHARGE-OFFS>                                      24
<RECOVERIES>                                        9
<ALLOWANCE-CLOSE>                               1,426
<ALLOWANCE-DOMESTIC>                            1,426
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0