<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-30-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                           5,249
<INT-BEARING-DEPOSITS>                             298
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,810
<INVESTMENTS-CARRYING>                          44,054
<INVESTMENTS-MARKET>                            43,647
<LOANS>                                        178,010
<ALLOWANCE>                                      1,266
<TOTAL-ASSETS>                                 242,568
<DEPOSITS>                                     159,361
<SHORT-TERM>                                    57,000
<LIABILITIES-OTHER>                              4,174
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           228
<OTHER-SE>                                      21,805
<TOTAL-LIABILITIES-AND-EQUITY>                 242,568
<INTEREST-LOAN>                                 10,565
<INTEREST-INVEST>                                2,083
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                12,648
<INTEREST-DEPOSIT>                               5,640
<INTEREST-EXPENSE>                               1,792
<INTEREST-INCOME-NET>                            5,216
<LOAN-LOSSES>                                      465
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,164
<INCOME-PRETAX>                                  2,831
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,682
<EPS-BASIC>                                     1.45
<EPS-DILUTED>                                     1.30
<YIELD-ACTUAL>                                     291
<LOANS-NON>                                        122
<LOANS-PAST>                                       478
<LOANS-TROUBLED>                                   413
<LOANS-PROBLEM>                                  1,810
<ALLOWANCE-OPEN>                                 1,107
<CHARGE-OFFS>                                      175
<RECOVERIES>                                        11
<ALLOWANCE-CLOSE>                                1,266
<ALLOWANCE-DOMESTIC>                             1,266
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0