<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB 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> 9,386
<INT-BEARING-DEPOSITS> 771
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 57,006
<INVESTMENTS-CARRYING> 2,874
<INVESTMENTS-MARKET> 0
<LOANS> 377,428
<ALLOWANCE> 3,584
<TOTAL-ASSETS> 462,262
<DEPOSITS> 308,670
<SHORT-TERM> 56,000
<LIABILITIES-OTHER> 3,296
<LONG-TERM> 46,792
0
0
<COMMON> 42
<OTHER-SE> 47,462
<TOTAL-LIABILITIES-AND-EQUITY> 462,262
<INTEREST-LOAN> 20,792
<INTEREST-INVEST> 3,324
<INTEREST-OTHER> 142
<INTEREST-TOTAL> 24,258
<INTEREST-DEPOSIT> 9,676
<INTEREST-EXPENSE> 13,793
<INTEREST-INCOME-NET> 10,465
<LOAN-LOSSES> 90
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 10,301
<INCOME-PRETAX> 4,192
<INCOME-PRE-EXTRAORDINARY> 4,192
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,746
<EPS-BASIC> 1.17
<EPS-DILUTED> 1.16
<YIELD-ACTUAL> 2.82
<LOANS-NON> 1,664
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,537
<CHARGE-OFFS> 119
<RECOVERIES> 76
<ALLOWANCE-CLOSE> 3,584
<ALLOWANCE-DOMESTIC> 3,584
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>