<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-END> JUN-30-2000
<CASH> 2,966
<INT-BEARING-DEPOSITS> 2,155
<FED-FUNDS-SOLD> 575
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 27,243
<INVESTMENTS-CARRYING> 267
<INVESTMENTS-MARKET> 270
<LOANS> 176,550
<ALLOWANCE> 982
<TOTAL-ASSETS> 216,034
<DEPOSITS> 157,609
<SHORT-TERM> 27,750
<LIABILITIES-OTHER> 2,622
<LONG-TERM> 0
0
0
<COMMON> 20
<OTHER-SE> 28,033
<TOTAL-LIABILITIES-AND-EQUITY> 216,034
<INTEREST-LOAN> 10,439
<INTEREST-INVEST> 1,504
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 11,943
<INTEREST-DEPOSIT> 5,536
<INTEREST-EXPENSE> 6,497
<INTEREST-INCOME-NET> 5,446
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,491
<INCOME-PRETAX> 3,696
<INCOME-PRE-EXTRAORDINARY> 3,696
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,359
<EPS-BASIC> 1.63
<EPS-DILUTED> 1.58
<YIELD-ACTUAL> 3.63
<LOANS-NON> 410
<LOANS-PAST> 426
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 537
<ALLOWANCE-OPEN> 995
<CHARGE-OFFS> 16
<RECOVERIES> 3
<ALLOWANCE-CLOSE> 982
<ALLOWANCE-DOMESTIC> 982
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 129
</TABLE>