<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the annual
report on Form 10-K for the year ended September 30, 2000 and is qualified in
its entirety by reference to such financial statements.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-END> SEP-30-2000
<CASH> 10,178
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 112,373
<INVESTMENTS-CARRYING> 16,192
<INVESTMENTS-MARKET> 16,081
<LOANS> 365,941
<ALLOWANCE> 1,703
<TOTAL-ASSETS> 522,874
<DEPOSITS> 325,106
<SHORT-TERM> 157,412
<LIABILITIES-OTHER> 5,474
<LONG-TERM> 0
0
0
<COMMON> 36
<OTHER-SE> 34,846
<TOTAL-LIABILITIES-AND-EQUITY> 522,874
<INTEREST-LOAN> 26,005
<INTEREST-INVEST> 9,265
<INTEREST-OTHER> 822
<INTEREST-TOTAL> 36,092
<INTEREST-DEPOSIT> 11,923
<INTEREST-EXPENSE> 22,130
<INTEREST-INCOME-NET> 13,962
<LOAN-LOSSES> 220
<SECURITIES-GAINS> 19
<EXPENSE-OTHER> 10,340
<INCOME-PRETAX> 4,995
<INCOME-PRE-EXTRAORDINARY> 4,995
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,141
<EPS-BASIC> 1.56
<EPS-DILUTED> 1.53
<YIELD-ACTUAL> 3.13
<LOANS-NON> 123
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 439,000
<ALLOWANCE-OPEN> 1,503
<CHARGE-OFFS> 20
<RECOVERIES> 24
<ALLOWANCE-CLOSE> 1,703
<ALLOWANCE-DOMESTIC> 1,703
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>