<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-END> JUN-30-2000
<CASH> 7,176
<INT-BEARING-DEPOSITS> 929
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 161,378
<INVESTMENTS-CARRYING> 23,185
<INVESTMENTS-MARKET> 22,755
<LOANS> 309,314
<ALLOWANCE> 2,657
<TOTAL-ASSETS> 518,360
<DEPOSITS> 275,617
<SHORT-TERM> 159,960
<LIABILITIES-OTHER> 6,196
<LONG-TERM> 39,117
0
0
<COMMON> 20
<OTHER-SE> 27,200
<TOTAL-LIABILITIES-AND-EQUITY> 518,360
<INTEREST-LOAN> 17,123
<INTEREST-INVEST> 9,092
<INTEREST-OTHER> 25
<INTEREST-TOTAL> 26,240
<INTEREST-DEPOSIT> 7,855
<INTEREST-EXPENSE> 16,876
<INTEREST-INCOME-NET> 9,364
<LOAN-LOSSES> 360
<SECURITIES-GAINS> 100
<EXPENSE-OTHER> 6,096
<INCOME-PRETAX> 4,259
<INCOME-PRE-EXTRAORDINARY> 4,259
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,056
<EPS-BASIC> 1.60
<EPS-DILUTED> 1.59
<YIELD-ACTUAL> 2.77
<LOANS-NON> 1,068
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,477
<CHARGE-OFFS> 203
<RECOVERIES> 23
<ALLOWANCE-CLOSE> 2,657
<ALLOWANCE-DOMESTIC> 2,657
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>