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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-END> SEP-30-2000
<CASH> 6,594
<INT-BEARING-DEPOSITS> 140
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 96,661
<INVESTMENTS-CARRYING> 9,687
<INVESTMENTS-MARKET> 9,391
<LOANS> 443,707
<ALLOWANCE> 3,321
<TOTAL-ASSETS> 582,180
<DEPOSITS> 354,554
<SHORT-TERM> 74,937
<LIABILITIES-OTHER> 5,608
<LONG-TERM> 86,000
0
0
<COMMON> 19,806
<OTHER-SE> 41,275
<TOTAL-LIABILITIES-AND-EQUITY> 582,180
<INTEREST-LOAN> 32,470
<INTEREST-INVEST> 6,837
<INTEREST-OTHER> 533
<INTEREST-TOTAL> 39,840
<INTEREST-DEPOSIT> 15,744
<INTEREST-EXPENSE> 23,575
<INTEREST-INCOME-NET> 16,265
<LOAN-LOSSES> 630
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 11,813
<INCOME-PRETAX> 5,936
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,842
<EPS-BASIC> .73
<EPS-DILUTED> .72
<YIELD-ACTUAL> 3.13
<LOANS-NON> 762
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,941
<CHARGE-OFFS> 288
<RECOVERIES> 38
<ALLOWANCE-CLOSE> 3,321
<ALLOWANCE-DOMESTIC> 3,321
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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