<TABLE> <S> <C>


<ARTICLE>                                               9             
<MULTIPLIER>                                        1,000
       
<S>                                                 <C>
<PERIOD-TYPE>                                        9-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-START>                                 OCT-01-1997
<PERIOD-END>                                   JUN-30-1998
<CASH>                                               1,671
<INT-BEARING-DEPOSITS>                                 362
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          6,088
<INVESTMENTS-CARRYING>                              27,018
<INVESTMENTS-MARKET>                                26,959
<LOANS>                                            306,821
<ALLOWANCE>                                            814
<TOTAL-ASSETS>                                     358,573
<DEPOSITS>                                         253,903
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  3,712
<LONG-TERM>                                         74,916
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                          26,042
<TOTAL-LIABILITIES-AND-EQUITY>                     358,573
<INTEREST-LOAN>                                     18,403
<INTEREST-INVEST>                                    1,490
<INTEREST-OTHER>                                       194
<INTEREST-TOTAL>                                    20,087
<INTEREST-DEPOSIT>                                   9,705
<INTEREST-EXPENSE>                                  12,344
<INTEREST-INCOME-NET>                                7,743
<LOAN-LOSSES>                                            8
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      4,569
<INCOME-PRETAX>                                      4,607
<INCOME-PRE-EXTRAORDINARY>                           3,022
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         3,022
<EPS-PRIMARY>                                          .75
<EPS-DILUTED>                                          .72
<YIELD-ACTUAL>                                        3.14
<LOANS-NON>                                            876
<LOANS-PAST>                                           128
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       827
<CHARGE-OFFS>                                           20
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      814
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                814
        


</TABLE>