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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> SEP-30-2000
<CASH> 8,661
<INT-BEARING-DEPOSITS> 11,451
<FED-FUNDS-SOLD> 3,460
<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 232,373
<ALLOWANCE> 3,169
<TOTAL-ASSETS> 321,666
<DEPOSITS> 266,783
<SHORT-TERM> 0
<LIABILITIES-OTHER> 11,637
<LONG-TERM> 10,000
0
0
<COMMON> 34,806
<OTHER-SE> (1,560)
<TOTAL-LIABILITIES-AND-EQUITY> 321,666
<INTEREST-LOAN> 5,179
<INTEREST-INVEST> 898
<INTEREST-OTHER> 322
<INTEREST-TOTAL> 6,399
<INTEREST-DEPOSIT> 3,291
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<LOAN-LOSSES> 255
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<NET-INCOME> 600
<EPS-BASIC> 0.16
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<YIELD-ACTUAL> 3.75
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<LOANS-PAST> 2,103
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<ALLOWANCE-OPEN> 3,200
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<RECOVERIES> 1
<ALLOWANCE-CLOSE> 3,169
<ALLOWANCE-DOMESTIC> 3,169
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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