<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>                                           37,755
<INT-BEARING-DEPOSITS>                                0
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      46,140
<INVESTMENTS-CARRYING>                           47,759
<INVESTMENTS-MARKET>                             45,872
<LOANS>                                         296,363
<ALLOWANCE>                                       1,285
<TOTAL-ASSETS>                                  422,586
<DEPOSITS>                                      235,018
<SHORT-TERM>                                    141,016
<LIABILITIES-OTHER>                               4,037
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                            450
<OTHER-SE>                                       42,065
<TOTAL-LIABILITIES-AND-EQUITY>                  422,586
<INTEREST-LOAN>                                  17,079
<INTEREST-INVEST>                                 4,933
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                 22,012
<INTEREST-DEPOSIT>                                7,748
<INTEREST-EXPENSE>                                6,004
<INTEREST-INCOME-NET>                             8,260
<LOAN-LOSSES>                                       342
<SECURITIES-GAINS>                                1,897
<EXPENSE-OTHER>                                   8,364
<INCOME-PRETAX>                                   3,487
<INCOME-PRE-EXTRAORDINARY>                        2,060
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      2,060
<EPS-BASIC>                                       .77
<EPS-DILUTED>                                       .74
<YIELD-ACTUAL>                                     2.67
<LOANS-NON>                                         416
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  1,035
<CHARGE-OFFS>                                       124
<RECOVERIES>                                         32
<ALLOWANCE-CLOSE>                                 1,285
<ALLOWANCE-DOMESTIC>                              1,285
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0