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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1000
<S> <C> <C> <C> <C>
<PERIOD-TYPE> 3-MOS 9-MOS 3-MOS 9-MOS
<FISCAL-YEAR-END> SEP-30-2000 SEP-30-2000 SEP-30-1999 SEP-30-1999
<PERIOD-END> JUN-30-2000 JUN-30-2000 JUN-30-1999 JUN-30-1999
<CASH> 13,905 13,905 17,492 17,492
<INT-BEARING-DEPOSITS> 9,793 9,793 0 0
<FED-FUNDS-SOLD> 0 0 0 0
<TRADING-ASSETS> 0 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 27,962 27,962 27,316 27,316
<INVESTMENTS-CARRYING> 27,962 27,962 27,316 27,316
<INVESTMENTS-MARKET> 27,962 27,962 27,316 27,316
<LOANS> 891,599 891,599 695,265 695,265
<ALLOWANCE> 7,027 7,027 7,919 7,919
<TOTAL-ASSETS> 971,490 971,490 780,616 780,616
<DEPOSITS> 617,196 617,196 564,091 564,091
<SHORT-TERM> 251,600 251,600 129,049 129,049
<LIABILITIES-OTHER> 15,408 15,408 10,176 10,176
<LONG-TERM> 100 100 150 150
0 0 0 0
0 0 0 0
<COMMON> 1,448 1,448 1,421 1,421
<OTHER-SE> 85,738 85,738 75,729 75,729
<TOTAL-LIABILITIES-AND-EQUITY> 971,490 971,490 780,616 780,616
<INTEREST-LOAN> 20,117 55,178 15,020 43,956
<INTEREST-INVEST> 645 1,891 749 2,264
<INTEREST-OTHER> 42 256 42 324
<INTEREST-TOTAL> 20,804 57,325 15,811 46,544
<INTEREST-DEPOSIT> 7,556 21,456 6,363 19,389
<INTEREST-EXPENSE> 11,177 30,563 8,071 24,396
<INTEREST-INCOME-NET> 9,627 26,762 7,740 22,148
<LOAN-LOSSES> 150 450 75 225
<SECURITIES-GAINS> 0 0 0 95
<EXPENSE-OTHER> 5,133 14,966 5,092 14,737
<INCOME-PRETAX> 6,942 18,327 5,248 15,861
<INCOME-PRE-EXTRAORDINARY> 6,942 18,327 5,248 15,861
<EXTRAORDINARY> 0 0 0 0
<CHANGES> 0 0 0 0
<NET-INCOME> 4,167 3,149 11,000 9,570
<EPS-BASIC> 0.46 1.23 0.35 1.06
<EPS-DILUTED> 0.45 1.20 0.34 1.04
<YIELD-ACTUAL> 4.18 4.18 4.08 4.08
<LOANS-NON> 3,244 3,244 3,611 3,611
<LOANS-PAST> 0 0 0 0
<LOANS-TROUBLED> 6,916 6,916 7,089 7,089
<LOANS-PROBLEM> 0 0 0 0
<ALLOWANCE-OPEN> 6,950 6,671 5,708 6,365
<CHARGE-OFFS> 168 328 0 654
<RECOVERIES> 245 384 76 73
<ALLOWANCE-CLOSE> 7,027 7,027 5,784 5,784
<ALLOWANCE-DOMESTIC> 7,027 7,027 5,784 5,784
<ALLOWANCE-FOREIGN> 0 0 0 0
<ALLOWANCE-UNALLOCATED> 4,948 4,948 4,573 4,573
</TABLE>
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