<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000

<S>                                                                          <C>
<PERIOD-TYPE>                                                              6-MOS
<FISCAL-YEAR-END>                                                    SEP-30-2000
<PERIOD-START>                                                       OCT-01-1999
<PERIOD-END>                                                         MAR-31-2000
<CASH>                                                                     1,617
<INT-BEARING-DEPOSITS>                                                     4,043
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                5,239
<INVESTMENTS-CARRYING>                                                    31,007
<INVESTMENTS-MARKET>                                                      30,288
<LOANS>                                                                  424,378
<ALLOWANCE>                                                                1,010
<TOTAL-ASSETS>                                                           480,562
<DEPOSITS>                                                               310,408
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        4,985
<LONG-TERM>                                                              132,056
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                33,113
<TOTAL-LIABILITIES-AND-EQUITY>                                           480,562
<INTEREST-LOAN>                                                           16,568
<INTEREST-INVEST>                                                          1,008
<INTEREST-OTHER>                                                             209
<INTEREST-TOTAL>                                                          17,785
<INTEREST-DEPOSIT>                                                         7,616
<INTEREST-EXPENSE>                                                        11,350
<INTEREST-INCOME-NET>                                                      6,435
<LOAN-LOSSES>                                                                 45
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            4,361
<INCOME-PRETAX>                                                            2,621
<INCOME-PRE-EXTRAORDINARY>                                                 1,723
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               1,723
<EPS-BASIC>                                                                  .39
<EPS-DILUTED>                                                                .38
<YIELD-ACTUAL>                                                              3.84
<LOANS-NON>                                                                  465
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             932
<CHARGE-OFFS>                                                                 22
<RECOVERIES>                                                                  55
<ALLOWANCE-CLOSE>                                                          1,010
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                    1,010



</TABLE>