<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
     SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

                                            
<PERIOD-TYPE>                                 12-MOS
<FISCAL-YEAR-END>                             SEP-30-1999
<PERIOD-END>                                  SEP-30-1999
<CASH>                                        5,976
<INT-BEARING-DEPOSITS>                        4,667
<FED-FUNDS-SOLD>                                  0
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                  12,022
<INVESTMENTS-CARRYING>                       42,339
<INVESTMENTS-MARKET>                         41,441
<LOANS>                                     177,840
<ALLOWANCE>                                   1,318
<TOTAL-ASSETS>                              244,116
<DEPOSITS>                                  158,936
<SHORT-TERM>                                 37,000
<LIABILITIES-OTHER>                           4,776
<LONG-TERM>                                  21,000
<PREFERRED-MANDATORY>                             0
<PREFERRED>                                       0
<COMMON>                                        228
<OTHER-SE>                                   22,176
<TOTAL-LIABILITIES-AND-EQUITY>              244,116
<INTEREST-LOAN>                              14,102
<INTEREST-INVEST>                             2,957
<INTEREST-OTHER>                                  0
<INTEREST-TOTAL>                             17,059
<INTEREST-DEPOSIT>                            7,515
<INTEREST-EXPENSE>                           10,029
<INTEREST-INCOME-NET>                         7,030
<LOAN-LOSSES>                                   785
<SECURITIES-GAINS>                                0
<EXPENSE-OTHER>                               4,191
<INCOME-PRETAX>                               3,690
<INCOME-PRE-EXTRAORDINARY>                        0
<EXTRAORDINARY>                                   0
<CHANGES>                                         0
<NET-INCOME>                                  2,356
<EPS-BASIC>                                  2.06
<EPS-DILUTED>                                  1.87
<YIELD-ACTUAL>                                 3.10
<LOANS-NON>                                     313
<LOANS-PAST>                                    180
<LOANS-TROUBLED>                                  0
<LOANS-PROBLEM>                                   0
<ALLOWANCE-OPEN>                              1,137
<CHARGE-OFFS>                                   658
<RECOVERIES>                                     54
<ALLOWANCE-CLOSE>                             1,318
<ALLOWANCE-DOMESTIC>                          1,318
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                           0