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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-END> JUN-30-2000
<CASH> 6,450
<INT-BEARING-DEPOSITS> 7,435
<FED-FUNDS-SOLD> 1,423
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 59,593
<INVESTMENTS-MARKET> 57,033
<LOANS> 237,697
<ALLOWANCE> 1,290
<TOTAL-ASSETS> 323,726
<DEPOSITS> 262,364
<SHORT-TERM> 12,500
<LIABILITIES-OTHER> 2,042
<LONG-TERM> 0
0
0
<COMMON> 59
<OTHER-SE> 43,277
<TOTAL-LIABILITIES-AND-EQUITY> 323,726
<INTEREST-LOAN> 12,570
<INTEREST-INVEST> 1,793
<INTEREST-OTHER> 293
<INTEREST-TOTAL> 15,766
<INTEREST-DEPOSIT> 7,754
<INTEREST-EXPENSE> 8,442
<INTEREST-INCOME-NET> 7,324
<LOAN-LOSSES> 79
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 6,673
<INCOME-PRETAX> 978
<INCOME-PRE-EXTRAORDINARY> 978
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 595
<EPS-BASIC> .11
<EPS-DILUTED> .10
<YIELD-ACTUAL> 7.15
<LOANS-NON> 317
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,273
<CHARGE-OFFS> 145
<RECOVERIES> 83
<ALLOWANCE-CLOSE> 1,290
<ALLOWANCE-DOMESTIC> 1,290
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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