<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>                                          5,612
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                    3
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    77,648
<INVESTMENTS-CARRYING>                         12,686
<INVESTMENTS-MARKET>                           12,495
<LOANS>                                       411,860
<ALLOWANCE>                                     2,987
<TOTAL-ASSETS>                                523,468
<DEPOSITS>                                    337,063
<SHORT-TERM>                                   93,717
<LIABILITIES-OTHER>                             3,598
<LONG-TERM>                                    30,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                       20,963
<OTHER-SE>                                     38,127
<TOTAL-LIABILITIES-AND-EQUITY>                523,468
<INTEREST-LOAN>                                 7,581
<INTEREST-INVEST>                               1,560
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                9,141
<INTEREST-DEPOSIT>                              3,607
<INTEREST-EXPENSE>                              5,024
<INTEREST-INCOME-NET>                           4,117
<LOAN-LOSSES>                                     120
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 3,039
<INCOME-PRETAX>                                 1,404
<INCOME-PRE-EXTRAORDINARY>                          0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      911
<EPS-BASIC>                                       .17
<EPS-DILUTED>                                     .17
<YIELD-ACTUAL>                                   3.33
<LOANS-NON>                                       591
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                2,941
<CHARGE-OFFS>                                     100
<RECOVERIES>                                       26
<ALLOWANCE-CLOSE>                               2,987
<ALLOWANCE-DOMESTIC>                            2,987
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0