<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>                                 9-MOS
<FISCAL-YEAR-END>                             SEP-30-2000
<PERIOD-END>                                  JUN-30-2000
<CASH>                                          5,389
<INT-BEARING-DEPOSITS>                             84
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    93,956
<INVESTMENTS-CARRYING>                          9,687
<INVESTMENTS-MARKET>                            9,348
<LOANS>                                       435,718
<ALLOWANCE>                                     3,226
<TOTAL-ASSETS>                                568,969
<DEPOSITS>                                    357,535
<SHORT-TERM>                                   66,025
<LIABILITIES-OTHER>                             5,046
<LONG-TERM>                                    81,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                       19,802
<OTHER-SE>                                     39,561
<TOTAL-LIABILITIES-AND-EQUITY>                568,969
<INTEREST-LOAN>                                23,894
<INTEREST-INVEST>                               5,188
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                               29,082
<INTEREST-DEPOSIT>                             11,352
<INTEREST-EXPENSE>                              5,388
<INTEREST-INCOME-NET>                          12,342
<LOAN-LOSSES>                                     450
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 8,994
<INCOME-PRETAX>                                 4,371
<INCOME-PRE-EXTRAORDINARY>                          0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    2,831
<EPS-BASIC>                                       .54
<EPS-DILUTED>                                     .54
<YIELD-ACTUAL>                                   3.20
<LOANS-NON>                                       629
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                2,941
<CHARGE-OFFS>                                     196
<RECOVERIES>                                       31
<ALLOWANCE-CLOSE>                               3,226
<ALLOWANCE-DOMESTIC>                            3,226
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0