<TABLE> <S> <C>


<ARTICLE>                                                9
<MULTIPLIER>                                         1,000

<S>                                                    <C>
<PERIOD-TYPE>                                        3-MOS
<FISCAL-YEAR-END>                              SEP-30-2000
<PERIOD-START>                                 OCT-01-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                               2,245
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          5,320
<INVESTMENTS-CARRYING>                              31,296
<INVESTMENTS-MARKET>                                29,577
<LOANS>                                            420,280
<ALLOWANCE>                                            988
<TOTAL-ASSETS>                                     473,666
<DEPOSITS>                                         307,137
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  6,514
<LONG-TERM>                                        127,030
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                          32,645
<TOTAL-LIABILITIES-AND-EQUITY>                     473,666
<INTEREST-LOAN>                                      8,228
<INTEREST-INVEST>                                      501
<INTEREST-OTHER>                                        98
<INTEREST-TOTAL>                                     8,827
<INTEREST-DEPOSIT>                                   3,823
<INTEREST-EXPENSE>                                   5,607
<INTEREST-INCOME-NET>                                3,220
<LOAN-LOSSES>                                           23
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      2,117
<INCOME-PRETAX>                                      1,363
<INCOME-PRE-EXTRAORDINARY>                             896
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           896
<EPS-BASIC>                                            .20
<EPS-DILUTED>                                          .19
<YIELD-ACTUAL>                                        2.80
<LOANS-NON>                                            381
<LOANS-PAST>                                            50
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       932
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             2
<ALLOWANCE-CLOSE>                                      988
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                988



</TABLE>