<TABLE> <S> <C>


<ARTICLE>                                                              9
<MULTIPLIER>                                                       1,000

<S>                                                                  <C>
<PERIOD-TYPE>                                                      9-MOS
<FISCAL-YEAR-END>                                            SEP-30-1999
<PERIOD-START>                                               OCT-01-1998
<PERIOD-END>                                                 JUN-30-1999
<CASH>                                                             2,032
<INT-BEARING-DEPOSITS>                                               898
<FED-FUNDS-SOLD>                                                       0
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                        5,595
<INVESTMENTS-CARRYING>                                            30,224
<INVESTMENTS-MARKET>                                              29,731
<LOANS>                                                          404,925
<ALLOWANCE>                                                          900
<TOTAL-ASSETS>                                                   457,750
<DEPOSITS>                                                       319,312
<SHORT-TERM>                                                           0
<LIABILITIES-OTHER>                                                4,582
<LONG-TERM>                                                      102,691
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                               0
<OTHER-SE>                                                        31,165
<TOTAL-LIABILITIES-AND-EQUITY>                                   457,750
<INTEREST-LOAN>                                                   22,265
<INTEREST-INVEST>                                                  1,567
<INTEREST-OTHER>                                                     395
<INTEREST-TOTAL>                                                  24,227
<INTEREST-DEPOSIT>                                                11,339
<INTEREST-EXPENSE>                                                14,895
<INTEREST-INCOME-NET>                                              9,332
<LOAN-LOSSES>                                                        145
<SECURITIES-GAINS>                                                     0
<EXPENSE-OTHER>                                                    7,960
<INCOME-PRETAX>                                                    3,072
<INCOME-PRE-EXTRAORDINARY>                                         1,906
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                       1,906
<EPS-BASIC>                                                       0.43
<EPS-DILUTED>                                                       0.42
<YIELD-ACTUAL>                                                      2.97
<LOANS-NON>                                                          533
<LOANS-PAST>                                                         257
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                        0
<ALLOWANCE-OPEN>                                                     916
<CHARGE-OFFS>                                                        163
<RECOVERIES>                                                           2
<ALLOWANCE-CLOSE>                                                    900
<ALLOWANCE-DOMESTIC>                                                   0
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                              900



</TABLE>