<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               YEAR
<FISCAL-YEAR-END>                             SEP-30-2000         SEP-30-1999
<PERIOD-END>                                  JUN-30-2000         SEP-30-1999
<CASH>                                          5,389               2,467
<INT-BEARING-DEPOSITS>                             84                   0
<FED-FUNDS-SOLD>                                    0                 131
<TRADING-ASSETS>                                    0                   0
<INVESTMENTS-HELD-FOR-SALE>                    93,956              68,152
<INVESTMENTS-CARRYING>                          9,687              12,724
<INVESTMENTS-MARKET>                            9,348              12,479
<LOANS>                                       435,718             400,851
<ALLOWANCE>                                     3,226               2,941
<TOTAL-ASSETS>                                568,969             498,358
<DEPOSITS>                                    357,535             339,224
<SHORT-TERM>                                   66,025              37,472
<LIABILITIES-OTHER>                             5,046               5,325
<LONG-TERM>                                    81,000              55,000
<PREFERRED-MANDATORY>                               0                   0
<PREFERRED>                                         0                   0
<COMMON>                                       19,802              23,536
<OTHER-SE>                                     39,561              37,801
<TOTAL-LIABILITIES-AND-EQUITY>                568,969             498,358
<INTEREST-LOAN>                                23,894              28,482
<INTEREST-INVEST>                               5,188               4,166
<INTEREST-OTHER>                                    0                   0
<INTEREST-TOTAL>                               29,082              32,648
<INTEREST-DEPOSIT>                             11,352              14,727
<INTEREST-EXPENSE>                              5,388              17,128
<INTEREST-INCOME-NET>                          12,342              15,520
<LOAN-LOSSES>                                     450                 540
<SECURITIES-GAINS>                                  0                   0
<EXPENSE-OTHER>                                 8,994              11,448
<INCOME-PRETAX>                                 4,371               5,005
<INCOME-PRE-EXTRAORDINARY>                          0                   0
<EXTRAORDINARY>                                     0                   0
<CHANGES>                                           0                   0
<NET-INCOME>                                    2,831               3,257
<EPS-BASIC>                                       .54                 .34
<EPS-DILUTED>                                     .54                 .34
<YIELD-ACTUAL>                                   3.20                3.53
<LOANS-NON>                                       629                 830
<LOANS-PAST>                                        0                   0
<LOANS-TROUBLED>                                    0                   0
<LOANS-PROBLEM>                                     0                   0
<ALLOWANCE-OPEN>                                2,941               2,564
<CHARGE-OFFS>                                     196                 251
<RECOVERIES>                                       31                  88
<ALLOWANCE-CLOSE>                               3,226               2,941
<ALLOWANCE-DOMESTIC>                            3,226               2,941
<ALLOWANCE-FOREIGN>                                 0                   0
<ALLOWANCE-UNALLOCATED>                             0                   0