<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED 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>                                  3-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   DEC-31-1998
<CASH>                                          42,706
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     43,081
<INVESTMENTS-CARRYING>                          53,134
<INVESTMENTS-MARKET>                            51,622
<LOANS>                                        283,941
<ALLOWANCE>                                     (1,128)
<TOTAL-ASSETS>                                 433,567
<DEPOSITS>                                     234,861
<SHORT-TERM>                                   144,121
<LIABILITIES-OTHER>                             11,031
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           450
<OTHER-SE>                                      43,104
<TOTAL-LIABILITIES-AND-EQUITY>                 433,567
<INTEREST-LOAN>                                  5,960
<INTEREST-INVEST>                                1,543
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,503
<INTEREST-DEPOSIT>                               2,670
<INTEREST-EXPENSE>                               2,034
<INTEREST-INCOME-NET>                            2,799
<LOAN-LOSSES>                                      114
<SECURITIES-GAINS>                                 700
<EXPENSE-OTHER>                                  2,549
<INCOME-PRETAX>                                  1,420
<INCOME-PRE-EXTRAORDINARY>                         842
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       842
<EPS-PRIMARY>                                      .32
<EPS-DILUTED>                                      .30
<YIELD-ACTUAL>                                    2.73
<LOANS-NON>                                        957
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,035
<CHARGE-OFFS>                                       26
<RECOVERIES>                                         5
<ALLOWANCE-CLOSE>                                1,128
<ALLOWANCE-DOMESTIC>                             1,128
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0