<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
ANNUAL 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> 5,090
<INT-BEARING-DEPOSITS> 282
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 9,588
<INVESTMENTS-CARRYING> 38,779
<INVESTMENTS-MARKET> 37,299
<LOANS> 191,514
<ALLOWANCE> 1,577
<TOTAL-ASSETS> 250,676
<DEPOSITS> 165,325
<SHORT-TERM> 57,000
<LIABILITIES-OTHER> 4,689
<LONG-TERM> 0
0
0
<COMMON> 228
<OTHER-SE> 23,434
<TOTAL-LIABILITIES-AND-EQUITY> 250,676
<INTEREST-LOAN> 14,783
<INTEREST-INVEST> 3,448
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 18,231
<INTEREST-DEPOSIT> 7,340
<INTEREST-EXPENSE> 3,889
<INTEREST-INCOME-NET> 7,001
<LOAN-LOSSES> 267
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,056
<INCOME-PRETAX> 3,655
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,383
<EPS-BASIC> 2.19
<EPS-DILUTED> 2.04
<YIELD-ACTUAL> 2.93
<LOANS-NON> 737
<LOANS-PAST> 314
<LOANS-TROUBLED> 531
<LOANS-PROBLEM> 1,978
<ALLOWANCE-OPEN> 1,318
<CHARGE-OFFS> 91
<RECOVERIES> 19
<ALLOWANCE-CLOSE> 1,577
<ALLOWANCE-DOMESTIC> 1,577
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>