<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     ANNUAL  REPORT  ON   FORM  10-K  AND  IS  QUALIFIED   IN ITS  ENTIRETY   BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

                             
<PERIOD-TYPE>                                12-MOS
<FISCAL-YEAR-END>                       SEP-30-2000
<PERIOD-END>                            SEP-30-2000
<CASH>                                        5,090
<INT-BEARING-DEPOSITS>                          282
<FED-FUNDS-SOLD>                                  0
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                   9,588
<INVESTMENTS-CARRYING>                       38,779
<INVESTMENTS-MARKET>                         37,299
<LOANS>                                     191,514
<ALLOWANCE>                                   1,577
<TOTAL-ASSETS>                              250,676
<DEPOSITS>                                  165,325
<SHORT-TERM>                                 57,000
<LIABILITIES-OTHER>                           4,689
<LONG-TERM>                                       0
<PREFERRED-MANDATORY>                             0
<PREFERRED>                                       0
<COMMON>                                        228
<OTHER-SE>                                   23,434
<TOTAL-LIABILITIES-AND-EQUITY>              250,676
<INTEREST-LOAN>                              14,783
<INTEREST-INVEST>                             3,448
<INTEREST-OTHER>                                  0
<INTEREST-TOTAL>                             18,231
<INTEREST-DEPOSIT>                            7,340
<INTEREST-EXPENSE>                            3,889
<INTEREST-INCOME-NET>                         7,001
<LOAN-LOSSES>                                   267
<SECURITIES-GAINS>                                0
<EXPENSE-OTHER>                               4,056
<INCOME-PRETAX>                               3,655
<INCOME-PRE-EXTRAORDINARY>                        0
<EXTRAORDINARY>                                   0
<CHANGES>                                         0
<NET-INCOME>                                  2,383
<EPS-BASIC>                                    2.19
<EPS-DILUTED>                                  2.04
<YIELD-ACTUAL>                                 2.93
<LOANS-NON>                                     737
<LOANS-PAST>                                    314
<LOANS-TROUBLED>                                531
<LOANS-PROBLEM>                               1,978
<ALLOWANCE-OPEN>                              1,318
<CHARGE-OFFS>                                    91
<RECOVERIES>                                     19
<ALLOWANCE-CLOSE>                             1,577
<ALLOWANCE-DOMESTIC>                          1,577
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                           0