<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C> <C>
<PERIOD-TYPE> YEAR YEAR
<FISCAL-YEAR-END> SEP-30-2000 SEP-30-1999
<PERIOD-END> SEP-30-2000 SEP-30-1999
<CASH> 3,647 10,870
<INT-BEARING-DEPOSITS> 1,577 7,317
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 17,997 13,318
<INVESTMENTS-CARRYING> 17,997 13,318
<INVESTMENTS-MARKET> 17,997 13,318
<LOANS> 929,688 773,157
<ALLOWANCE> 8,386 7,960
<TOTAL-ASSETS> 984,525 825,737
<DEPOSITS> 621,665 565,463
<SHORT-TERM> 183,965 134,352
<LIABILITIES-OTHER> 14,663 13,173
<LONG-TERM> 80,571 33,886
0 0
0 0
<COMMON> 1,448 1,425
<OTHER-SE> 82,213 77,438
<TOTAL-LIABILITIES-AND-EQUITY> 984,525 825,737
<INTEREST-LOAN> 77,408 62,307
<INTEREST-INVEST> 1,217 887
<INTEREST-OTHER> 337 363
<INTEREST-TOTAL> 78,962 63,557
<INTEREST-DEPOSIT> 29,641 26,083
<INTEREST-EXPENSE> 43,124 33,102
<INTEREST-INCOME-NET> 35,838 30,455
<LOAN-LOSSES> 600 300
<SECURITIES-GAINS> 0 95
<EXPENSE-OTHER> 20,120 20,129
<INCOME-PRETAX> 24,527 21,408
<INCOME-PRE-EXTRAORDINARY> 24,527 21,408
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 14,721 12,900
<EPS-BASIC> 1.66 1.43
<EPS-DILUTED> 1.63 1.40
<YIELD-ACTUAL> 4.09 4.14
<LOANS-NON> 4,447 4,074
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 8,142 4,004
<LOANS-PROBLEM> 12,589 8,075
<ALLOWANCE-OPEN> 6,671 6,405
<CHARGE-OFFS> 116 57
<RECOVERIES> 2 23
<ALLOWANCE-CLOSE> 7,157 6,671
<ALLOWANCE-DOMESTIC> 7,157 6,671
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 5,530 5,223
</TABLE>