<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
      This schedule contains summary financial information extracted from the
annual report on Form 10-K for the fiscal year ended September 30, 1998 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                                     1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           3,195 
<INT-BEARING-DEPOSITS>                               0 
<FED-FUNDS-SOLD>                                 1,000 
<TRADING-ASSETS>                                     0 
<INVESTMENTS-HELD-FOR-SALE>                    125,225 
<INVESTMENTS-CARRYING>                          43,303 
<INVESTMENTS-MARKET>                            43,948 
<LOANS>                                        185,327 
<ALLOWANCE>                                      1,302 
<TOTAL-ASSETS>                                 383,024 
<DEPOSITS>                                     231,181 
<SHORT-TERM>                                   107,790 
<LIABILITIES-OTHER>                              2,251 
<LONG-TERM>                                          0 
<PREFERRED-MANDATORY>                                0 
<PREFERRED>                                          0 
<COMMON>                                            36 
<OTHER-SE>                                      41,766 
<TOTAL-LIABILITIES-AND-EQUITY>                 383,024 
<INTEREST-LOAN>                                 13,243 
<INTEREST-INVEST>                               11,750 
<INTEREST-OTHER>                                   482 
<INTEREST-TOTAL>                                25,475 
<INTEREST-DEPOSIT>                               9,056 
<INTEREST-EXPENSE>                              14,022 
<INTEREST-INCOME-NET>                           11,453 
<LOAN-LOSSES>                                      375 
<SECURITIES-GAINS>                                 117 
<EXPENSE-OTHER>                                  7,644 
<INCOME-PRETAX>                                  4,905 
<INCOME-PRE-EXTRAORDINARY>                       4,905 
<EXTRAORDINARY>                                      0 
<CHANGES>                                            0 
<NET-INCOME>                                     2,901 
<EPS-PRIMARY>                                     1.12 
<EPS-DILUTED>                                     1.08 
<YIELD-ACTUAL>                                    3.28
<LOANS-NON>                                        753 
<LOANS-PAST>                                         0 
<LOANS-TROUBLED>                                     0 
<LOANS-PROBLEM>                                    551 
<ALLOWANCE-OPEN>                                 1,093 
<CHARGE-OFFS>                                      193 
<RECOVERIES>                                        27 
<ALLOWANCE-CLOSE>                                1,302 
<ALLOWANCE-DOMESTIC>                             1,302 
<ALLOWANCE-FOREIGN>                                  0 
<ALLOWANCE-UNALLOCATED>                              0 
                                                       
                                                       

</TABLE>