<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>                                         2,253
<INT-BEARING-DEPOSITS>                             0
<FED-FUNDS-SOLD>                                 434
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                   54,748
<INVESTMENTS-CARRYING>                        12,927
<INVESTMENTS-MARKET>                          12,803
<LOANS>                                      380,071
<ALLOWANCE>                                    2,866
<TOTAL-ASSETS>                               463,181
<DEPOSITS>                                   337,544
<SHORT-TERM>                                  20,000
<LIABILITIES-OTHER>                            4,702
<LONG-TERM>                                   40,000
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                      23,536
<OTHER-SE>                                    37,399
<TOTAL-LIABILITIES-AND-EQUITY>               463,181
<INTEREST-LOAN>                                7,157
<INTEREST-INVEST>                              1,056
<INTEREST-OTHER>                                   0
<INTEREST-TOTAL>                               8,213
<INTEREST-DEPOSIT>                             3,578
<INTEREST-EXPENSE>                             4,099
<INTEREST-INCOME-NET>                          3,994
<LOAN-LOSSES>                                    120
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                2,939
<INCOME-PRETAX>                                1,406
<INCOME-PRE-EXTRAORDINARY>                         0
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                     940
<EPS-BASIC>                                    .17
<EPS-DILUTED>                                    .17
<YIELD-ACTUAL>                                  3.67
<LOANS-NON>                                      419
<LOANS-PAST>                                       0
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                               2,800
<CHARGE-OFFS>                                     64
<RECOVERIES>                                      10
<ALLOWANCE-CLOSE>                              2,866
<ALLOWANCE-DOMESTIC>                           2,866
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                          170