<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> 16,060
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 47,723
<INVESTMENTS-CARRYING> 46,481
<INVESTMENTS-MARKET> 43,863
<LOANS> 324,000
<ALLOWANCE> 1,515
<TOTAL-ASSETS> 456,089
<DEPOSITS> 272,588
<SHORT-TERM> 140,000
<LIABILITIES-OTHER> 3,868
<LONG-TERM> 0
0
0
<COMMON> 450
<OTHER-SE> 39,183
<TOTAL-LIABILITIES-AND-EQUITY> 456,089
<INTEREST-LOAN> 19,505
<INTEREST-INVEST> 4,248
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 23,753
<INTEREST-DEPOSIT> 7,938
<INTEREST-EXPENSE> 6,128
<INTEREST-INCOME-NET> 9,687
<LOAN-LOSSES> 162
<SECURITIES-GAINS> 838
<EXPENSE-OTHER> 8,783
<INCOME-PRETAX> 4,314
<INCOME-PRE-EXTRAORDINARY> 2,632
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,632
<EPS-BASIC> 1.08
<EPS-DILUTED> 1.05
<YIELD-ACTUAL> 2.95
<LOANS-NON> 1,250
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,387
<CHARGE-OFFS> 55
<RECOVERIES> 21
<ALLOWANCE-CLOSE> 1,515
<ALLOWANCE-DOMESTIC> 1,515
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>