<TABLE> <S> <C>


<ARTICLE>                                         9

<LEGEND>

     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                         1000

<S>                                     <C>
<PERIOD-TYPE>                                       6-MOS
<FISCAL-YEAR-END>                             SEP-30-2000
<PERIOD-END>                                  MAR-31-2000
<CASH>                                              3,101
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                       59
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        89,426
<INVESTMENTS-CARRYING>                             10,686
<INVESTMENTS-MARKET>                               10,325
<LOANS>                                           426,055
<ALLOWANCE>                                         3,084
<TOTAL-ASSETS>                                    550,985
<DEPOSITS>                                        355,599
<SHORT-TERM>                                      105,953
<LIABILITIES-OTHER>                                 4,445
<LONG-TERM>                                        26,000
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                           19,927
<OTHER-SE>                                         39,061
<TOTAL-LIABILITIES-AND-EQUITY>                    550,985
<INTEREST-LOAN>                                    15,576
<INTEREST-INVEST>                                   3,281
<INTEREST-OTHER>                                        0
<INTEREST-TOTAL>                                   18,857
<INTEREST-DEPOSIT>                                  7,402
<INTEREST-EXPENSE>                                 10,573
<INTEREST-INCOME-NET>                               8,284
<LOAN-LOSSES>                                         270
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                     6,091
<INCOME-PRETAX>                                     2,873
<INCOME-PRE-EXTRAORDINARY>                              0
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                        1,863
<EPS-BASIC>                                           .35
<EPS-DILUTED>                                         .35
<YIELD-ACTUAL>                                       3.29
<LOANS-NON>                                           236
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                    2,941
<CHARGE-OFFS>                                         158
<RECOVERIES>                                           31
<ALLOWANCE-CLOSE>                                   3,084
<ALLOWANCE-DOMESTIC>                                3,084
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0



</TABLE>