<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>                                  3-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   MAR-31-1999
<CASH>                                          53,934
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     43,230
<INVESTMENTS-CARRYING>                          50,934
<INVESTMENTS-MARKET>                            49,268
<LOANS>                                        284,795
<ALLOWANCE>                                      1,212
<TOTAL-ASSETS>                                 430,325
<DEPOSITS>                                     236,166
<SHORT-TERM>                                   144,068
<LIABILITIES-OTHER>                              6,158
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           450
<OTHER-SE>                                      43,483
<TOTAL-LIABILITIES-AND-EQUITY>                 430,325
<INTEREST-LOAN>                                  5,533
<INTEREST-INVEST>                                1,709
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,242
<INTEREST-DEPOSIT>                               2,538 
<INTEREST-EXPENSE>                               1,984
<INTEREST-INCOME-NET>                            2,720
<LOAN-LOSSES>                                      114
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,695
<INCOME-PRETAX>                                  1,184
<INCOME-PRE-EXTRAORDINARY>                         693
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       693
<EPS-PRIMARY>                                      .26
<EPS-DILUTED>                                      .25
<YIELD-ACTUAL>                                    2.68
<LOANS-NON>                                        880
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,128
<CHARGE-OFFS>                                       46
<RECOVERIES>                                        16
<ALLOWANCE-CLOSE>                                1,212
<ALLOWANCE-DOMESTIC>                             1,212
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0