<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>                                  YEAR
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                           2,467
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   131
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     68,152
<INVESTMENTS-CARRYING>                          12,724
<INVESTMENTS-MARKET>                            12,479
<LOANS>                                        400,851
<ALLOWANCE>                                      2,941
<TOTAL-ASSETS>                                 498,358
<DEPOSITS>                                     339,224
<SHORT-TERM>                                    37,472
<LIABILITIES-OTHER>                              5,325
<LONG-TERM>                                     55,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        23,536
<OTHER-SE>                                      37,801
<TOTAL-LIABILITIES-AND-EQUITY>                 498,358
<INTEREST-LOAN>                                 28,482
<INTEREST-INVEST>                                4,166
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                32,648
<INTEREST-DEPOSIT>                              14,727
<INTEREST-EXPENSE>                              17,128
<INTEREST-INCOME-NET>                           15,520
<LOAN-LOSSES>                                      540
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 11,448
<INCOME-PRETAX>                                  5,005
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,257
<EPS-BASIC>                                      .34
<EPS-DILUTED>                                      .34
<YIELD-ACTUAL>                                    3.53
<LOANS-NON>                                        830
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,564
<CHARGE-OFFS>                                      251
<RECOVERIES>                                        88
<ALLOWANCE-CLOSE>                                2,941
<ALLOWANCE-DOMESTIC>                             2,941
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0