<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY 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>                                          5,960
<INT-BEARING-DEPOSITS>                            292
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     9,399
<INVESTMENTS-CARRYING>                         41,228
<INVESTMENTS-MARKET>                           39,938
<LOANS>                                       182,973
<ALLOWANCE>                                     1,402
<TOTAL-ASSETS>                                245,545
<DEPOSITS>                                    156,037
<SHORT-TERM>                                   63,500
<LIABILITIES-OTHER>                             3,396
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          228
<OTHER-SE>                                     22,384
<TOTAL-LIABILITIES-AND-EQUITY>                245,545
<INTEREST-LOAN>                                 3,565
<INTEREST-INVEST>                                 914
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                4,479
<INTEREST-DEPOSIT>                              1,797
<INTEREST-EXPENSE>                              2,590
<INTEREST-INCOME-NET>                           1,889
<LOAN-LOSSES>                                     135
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 1,025
<INCOME-PRETAX>                                   956
<INCOME-PRE-EXTRAORDINARY>                          0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      587
<EPS-BASIC>                                       .55
<EPS-DILUTED>                                     .50
<YIELD-ACTUAL>                                   3.18
<LOANS-NON>                                       469
<LOANS-PAST>                                      149
<LOANS-TROUBLED>                                  692
<LOANS-PROBLEM>                                 1,287
<ALLOWANCE-OPEN>                                1,318
<CHARGE-OFFS>                                      80
<RECOVERIES>                                       27
<ALLOWANCE-CLOSE>                               1,402
<ALLOWANCE-DOMESTIC>                            1,402
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0