<TABLE> <S> <C>


<ARTICLE>                                                                  9
<MULTIPLIER>                                                           1,000

<S>                                                                      <C>
<PERIOD-TYPE>                                                          9-MOS
<FISCAL-YEAR-END>                                                SEP-30-2000
<PERIOD-START>                                                   OCT-01-1999
<PERIOD-END>                                                     JUN-30-2000
<CASH>                                                                 1,677
<INT-BEARING-DEPOSITS>                                                   793
<FED-FUNDS-SOLD>                                                           0
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                            3,454
<INVESTMENTS-CARRYING>                                                30,651
<INVESTMENTS-MARKET>                                                  29,960
<LOANS>                                                              423,763
<ALLOWANCE>                                                              998
<TOTAL-ASSETS>                                                       475,488
<DEPOSITS>                                                           319,294
<SHORT-TERM>                                                               0
<LIABILITIES-OTHER>                                                    4,279
<LONG-TERM>                                                          118,389
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                                0
<COMMON>                                                                   0
<OTHER-SE>                                                            33,526
<TOTAL-LIABILITIES-AND-EQUITY>                                       475,488
<INTEREST-LOAN>                                                       25,058
<INTEREST-INVEST>                                                      1,492
<INTEREST-OTHER>                                                         330
<INTEREST-TOTAL>                                                      26,880
<INTEREST-DEPOSIT>                                                    11,668
<INTEREST-EXPENSE>                                                    17,316
<INTEREST-INCOME-NET>                                                  9,564
<LOAN-LOSSES>                                                             83
<SECURITIES-GAINS>                                                         8
<EXPENSE-OTHER>                                                        6,397
<INCOME-PRETAX>                                                        4,060
<INCOME-PRE-EXTRAORDINARY>                                             2,668
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                           2,668
<EPS-BASIC>                                                              .61
<EPS-DILUTED>                                                            .58
<YIELD-ACTUAL>                                                          2.75
<LOANS-NON>                                                              520
<LOANS-PAST>                                                             633
<LOANS-TROUBLED>                                                         646
<LOANS-PROBLEM>                                                            0
<ALLOWANCE-OPEN>                                                         932
<CHARGE-OFFS>                                                             76
<RECOVERIES>                                                              60
<ALLOWANCE-CLOSE>                                                        998
<ALLOWANCE-DOMESTIC>                                                       0
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                  998



</TABLE>