<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>                                       6-MOS
<FISCAL-YEAR-END>                             SEP-30-2000
<PERIOD-END>                                  MAR-31-2000
<CASH>                                              9,636
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        47,841
<INVESTMENTS-CARRYING>                             46,607
<INVESTMENTS-MARKET>                               44,120
<LOANS>                                           307,584
<ALLOWANCE>                                        (1,471)
<TOTAL-ASSETS>                                    429,740
<DEPOSITS>                                        245,042
<SHORT-TERM>                                      140,872
<LIABILITIES-OTHER>                                 3,511
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                              450
<OTHER-SE>                                         39,865
<TOTAL-LIABILITIES-AND-EQUITY>                    429,740
<INTEREST-LOAN>                                    12,432
<INTEREST-INVEST>                                   2,899
<INTEREST-OTHER>                                        0
<INTEREST-TOTAL>                                   15,331
<INTEREST-DEPOSIT>                                  4,993
<INTEREST-EXPENSE>                                  4,019
<INTEREST-INCOME-NET>                               6,319
<LOAN-LOSSES>                                         108
<SECURITIES-GAINS>                                    592
<EXPENSE-OTHER>                                     5,913
<INCOME-PRETAX>                                     2,750
<INCOME-PRE-EXTRAORDINARY>                          1,678
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                        1,678
<EPS-BASIC>                                           .67
<EPS-DILUTED>                                         .65
<YIELD-ACTUAL>                                       2.92
<LOANS-NON>                                           691
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                    1,387
<CHARGE-OFFS>                                          37
<RECOVERIES>                                           13
<ALLOWANCE-CLOSE>                                   1,471
<ALLOWANCE-DOMESTIC>                                1,471
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0