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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY 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> 8,482
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 46,343
<INVESTMENTS-CARRYING> 45,379
<INVESTMENTS-MARKET> 42,119
<LOANS> 343,470
<ALLOWANCE> (1,534)
<TOTAL-ASSETS> 466,515
<DEPOSITS> 294,823
<SHORT-TERM> 127,500
<LIABILITIES-OTHER> 4,427
<LONG-TERM> 0
0
0
<COMMON> 450
<OTHER-SE> 39,315
<TOTAL-LIABILITIES-AND-EQUITY> 456,089
<INTEREST-LOAN> 27,097
<INTEREST-INVEST> 5,780
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 32,877
<INTEREST-DEPOSIT> 11,608
<INTEREST-EXPENSE> 8,145
<INTEREST-INCOME-NET> 13,124
<LOAN-LOSSES> 216
<SECURITIES-GAINS> 1,197
<EXPENSE-OTHER> 11,979
<INCOME-PRETAX> 5,754
<INCOME-PRE-EXTRAORDINARY> 3,504
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,504
<EPS-BASIC> 1.46
<EPS-DILUTED> 1.43
<YIELD-ACTUAL> 2.93
<LOANS-NON> 1,310
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,387
<CHARGE-OFFS> 98
<RECOVERIES> 29
<ALLOWANCE-CLOSE> 1,534
<ALLOWANCE-DOMESTIC> 1,534
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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