<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY 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> 7,119
<INT-BEARING-DEPOSITS> 1,072
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 145,663
<INVESTMENTS-CARRYING> 22,385
<INVESTMENTS-MARKET> 22,235
<LOANS> 340,348
<ALLOWANCE> 2,910
<TOTAL-ASSETS> 543,209
<DEPOSITS> 290,631
<SHORT-TERM> 58,076
<LIABILITIES-OTHER> 4,480
<LONG-TERM> 160,435
0
0
<COMMON> 22
<OTHER-SE> 29,565
<TOTAL-LIABILITIES-AND-EQUITY> 543,209
<INTEREST-LOAN> 24,241
<INTEREST-INVEST> 9,192
<INTEREST-OTHER> 44
<INTEREST-TOTAL> 36,477
<INTEREST-DEPOSIT> 10,949
<INTEREST-EXPENSE> 23,932
<INTEREST-INCOME-NET> 12,545
<LOAN-LOSSES> 470
<SECURITIES-GAINS> (3)
<EXPENSE-OTHER> 8,333
<INCOME-PRETAX> 5,616
<INCOME-PRE-EXTRAORDINARY> 5,616
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,132
<EPS-BASIC> 1.92
<EPS-DILUTED> 1.95
<YIELD-ACTUAL> 2.71
<LOANS-NON> 1,961
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,477
<CHARGE-OFFS> 425
<RECOVERIES> 30
<ALLOWANCE-CLOSE> 2,910
<ALLOWANCE-DOMESTIC> 2,910
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>