<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>                                       16,060
<INT-BEARING-DEPOSITS>                            0
<FED-FUNDS-SOLD>                                  0
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                  47,723
<INVESTMENTS-CARRYING>                       46,481
<INVESTMENTS-MARKET>                         43,863
<LOANS>                                     324,000
<ALLOWANCE>                                   1,515
<TOTAL-ASSETS>                              456,089
<DEPOSITS>                                  272,588
<SHORT-TERM>                                140,000
<LIABILITIES-OTHER>                           3,868
<LONG-TERM>                                       0
<PREFERRED-MANDATORY>                             0
<PREFERRED>                                       0
<COMMON>                                        450
<OTHER-SE>                                   39,183
<TOTAL-LIABILITIES-AND-EQUITY>              456,089
<INTEREST-LOAN>                              19,505
<INTEREST-INVEST>                             4,248
<INTEREST-OTHER>                                  0
<INTEREST-TOTAL>                             23,753
<INTEREST-DEPOSIT>                            7,938
<INTEREST-EXPENSE>                            6,128
<INTEREST-INCOME-NET>                         9,687
<LOAN-LOSSES>                                   162
<SECURITIES-GAINS>                              838
<EXPENSE-OTHER>                               8,783
<INCOME-PRETAX>                               4,314
<INCOME-PRE-EXTRAORDINARY>                    2,632
<EXTRAORDINARY>                                   0
<CHANGES>                                         0
<NET-INCOME>                                  2,632
<EPS-BASIC>                                    1.08
<EPS-DILUTED>                                  1.05
<YIELD-ACTUAL>                                 2.95
<LOANS-NON>                                   1,250
<LOANS-PAST>                                      0
<LOANS-TROUBLED>                                  0
<LOANS-PROBLEM>                                   0
<ALLOWANCE-OPEN>                              1,387
<CHARGE-OFFS>                                    55
<RECOVERIES>                                     21
<ALLOWANCE-CLOSE>                             1,515
<ALLOWANCE-DOMESTIC>                          1,515
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                           0