<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>                                          5,632
<INT-BEARING-DEPOSITS>                            280
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     9,100
<INVESTMENTS-CARRYING>                         39,641
<INVESTMENTS-MARKET>                           37,856
<LOANS>                                       188,626
<ALLOWANCE>                                     1,546
<TOTAL-ASSETS>                                248,769
<DEPOSITS>                                    147,370
<SHORT-TERM>                                   73,000
<LIABILITIES-OTHER>                             4,908
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          228
<OTHER-SE>                                     23,263
<TOTAL-LIABILITIES-AND-EQUITY>                248,769
<INTEREST-LOAN>                                10,897
<INTEREST-INVEST>                               2,599
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                               13,496
<INTEREST-DEPOSIT>                              5,440
<INTEREST-EXPENSE>                              8,169
<INTEREST-INCOME-NET>                           5,327
<LOAN-LOSSES>                                     365
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 2,994
<INCOME-PRETAX>                                 2,669
<INCOME-PRE-EXTRAORDINARY>                          0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    1,602
<EPS-BASIC>                                      1.48
<EPS-DILUTED>                                    1.37
<YIELD-ACTUAL>                                   2.25
<LOANS-NON>                                       349
<LOANS-PAST>                                      749
<LOANS-TROUBLED>                                  631
<LOANS-PROBLEM>                                 1,410
<ALLOWANCE-OPEN>                                1,318
<CHARGE-OFFS>                                      93
<RECOVERIES>                                       80
<ALLOWANCE-CLOSE>                                   0
<ALLOWANCE-DOMESTIC>                                0
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0