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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Condition at June 30, 2000 (unaudited) and the
Consolidated Statement of Earnings for the nine months ended June 30, 2000
(unaudited) and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> SEP-30-1999
<PERIOD-END> JUN-30-2000
<CASH> 2490
<INT-BEARING-DEPOSITS> 2819
<FED-FUNDS-SOLD> 100
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 63828
<INVESTMENTS-CARRYING> 3207
<INVESTMENTS-MARKET> 3209
<LOANS> 521977
<ALLOWANCE> 845
<TOTAL-ASSETS> 612552
<DEPOSITS> 395147
<SHORT-TERM> 85650
<LIABILITIES-OTHER> 11313
<LONG-TERM> 80000
0
0
<COMMON> 38
<OTHER-SE> 40404
<TOTAL-LIABILITIES-AND-EQUITY> 612552
<INTEREST-LOAN> 28384
<INTEREST-INVEST> 4106
<INTEREST-OTHER> 34
<INTEREST-TOTAL> 32524
<INTEREST-DEPOSIT> 12954
<INTEREST-EXPENSE> 21031
<INTEREST-INCOME-NET> 11493
<LOAN-LOSSES> 110
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 7300
<INCOME-PRETAX> 5235
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3267
<EPS-BASIC> 1.56
<EPS-DILUTED> 1.50
<YIELD-ACTUAL> 1.99
<LOANS-NON> 538
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 780
<CHARGE-OFFS> 7
<RECOVERIES> 2
<ALLOWANCE-CLOSE> 845
<ALLOWANCE-DOMESTIC> 845
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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