<ARTICLE>                                                                   9
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<PERIOD-TYPE>                                                           9-MOS
<FISCAL-YEAR-END>                                                 SEP-30-1999
<PERIOD-START>                                                    OCT-01-1998
<PERIOD-END>                                                      JUN-30-1999
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<EPS-BASIC>                                                             .48
<EPS-DILUTED>                                                             .48
<YIELD-ACTUAL>                                                           3.21
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<CHARGE-OFFS>                                                               0
<RECOVERIES>                                                                5
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<ALLOWANCE-DOMESTIC>                                                        0
<ALLOWANCE-FOREIGN>                                                         0
<ALLOWANCE-UNALLOCATED>                                                   210