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<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> 5,632
<INT-BEARING-DEPOSITS> 280
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 9,100
<INVESTMENTS-CARRYING> 39,641
<INVESTMENTS-MARKET> 37,856
<LOANS> 188,626
<ALLOWANCE> 1,546
<TOTAL-ASSETS> 248,769
<DEPOSITS> 147,370
<SHORT-TERM> 73,000
<LIABILITIES-OTHER> 4,908
<LONG-TERM> 0
0
0
<COMMON> 228
<OTHER-SE> 23,263
<TOTAL-LIABILITIES-AND-EQUITY> 248,769
<INTEREST-LOAN> 10,897
<INTEREST-INVEST> 2,599
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 13,496
<INTEREST-DEPOSIT> 5,440
<INTEREST-EXPENSE> 8,169
<INTEREST-INCOME-NET> 5,327
<LOAN-LOSSES> 365
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,994
<INCOME-PRETAX> 2,669
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,602
<EPS-BASIC> 1.48
<EPS-DILUTED> 1.37
<YIELD-ACTUAL> 2.25
<LOANS-NON> 349
<LOANS-PAST> 749
<LOANS-TROUBLED> 631
<LOANS-PROBLEM> 1,410
<ALLOWANCE-OPEN> 1,318
<CHARGE-OFFS> 93
<RECOVERIES> 80
<ALLOWANCE-CLOSE> 0
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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