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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-START> OCT-01-1999
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 8,588
<INT-BEARING-DEPOSITS> 10,276
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 117,366
<INVESTMENTS-MARKET> 115,195
<LOANS> 361,538
<ALLOWANCE> 6,390
<TOTAL-ASSETS> 517,868
<DEPOSITS> 394,101
<SHORT-TERM> 0
<LIABILITIES-OTHER> 1,031
<LONG-TERM> 90,000
0
0
<COMMON> 8
<OTHER-SE> 32,728
<TOTAL-LIABILITIES-AND-EQUITY> 517,868
<INTEREST-LOAN> 22,047
<INTEREST-INVEST> 5,481
<INTEREST-OTHER> 612
<INTEREST-TOTAL> 28,140
<INTEREST-DEPOSIT> 12,011
<INTEREST-EXPENSE> 15,660
<INTEREST-INCOME-NET> 12,480
<LOAN-LOSSES> 1,153
<SECURITIES-GAINS> 2
<EXPENSE-OTHER> 6,834
<INCOME-PRETAX> 6,377
<INCOME-PRE-EXTRAORDINARY> 6,377
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,064
<EPS-BASIC> 5.70
<EPS-DILUTED> 5.70
<YIELD-ACTUAL> 3.56
<LOANS-NON> 1,280
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 5,446
<CHARGE-OFFS> 343
<RECOVERIES> 134
<ALLOWANCE-CLOSE> 6,390
<ALLOWANCE-DOMESTIC> 6,390
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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