<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> 9,524
<INT-BEARING-DEPOSITS> 860
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 54,635
<INVESTMENTS-CARRYING> 2,574
<INVESTMENTS-MARKET> 0
<LOANS> 390,142
<ALLOWANCE> 3,630
<TOTAL-ASSETS> 474,527
<DEPOSITS> 309,896
<SHORT-TERM> 69,388
<LIABILITIES-OTHER> 4,157
<LONG-TERM> 42,465
0
0
<COMMON> 42
<OTHER-SE> 48,579
<TOTAL-LIABILITIES-AND-EQUITY> 474,527
<INTEREST-LOAN> 28,419
<INTEREST-INVEST> 4,365
<INTEREST-OTHER> 192
<INTEREST-TOTAL> 32,976
<INTEREST-DEPOSIT> 13,196
<INTEREST-EXPENSE> 19,098
<INTEREST-INCOME-NET> 13,878
<LOAN-LOSSES> 120
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 13,780
<INCOME-PRETAX> 5,588
<INCOME-PRE-EXTRAORDINARY> 5,588
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,660
<EPS-BASIC> 1.56
<EPS-DILUTED> 1.55
<YIELD-ACTUAL> 2.67
<LOANS-NON> 1,250
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,537
<CHARGE-OFFS> 89
<RECOVERIES> 62
<ALLOWANCE-CLOSE> 3,630
<ALLOWANCE-DOMESTIC> 3,630
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>