<TABLE> <S> <C>

<ARTICLE>                                                             9
<MULTIPLIER>                                                      1,000

<S>                            <C>
<PERIOD-TYPE>                                                                          12-MOS
<FISCAL-YEAR-END>                                                                SEP-30-1999
<PERIOD-END>                                                                     SEP-30-1999
<CASH>                                                                                  3,025
<INT-BEARING-DEPOSITS>                                                                      0
<FED-FUNDS-SOLD>                                                                            0
<TRADING-ASSETS>                                                                            0
<INVESTMENTS-HELD-FOR-SALE>                                                           165,833
<INVESTMENTS-CARRYING>                                                                      0
<INVESTMENTS-MARKET>                                                                        0
<LOANS>                                                                               152,914
<ALLOWANCE>                                                                             2,093
<TOTAL-ASSETS>                                                                        338,796
<DEPOSITS>                                                                            219,064
<SHORT-TERM>                                                                           31,100
<LIABILITIES-OTHER>                                                                     4,420
<LONG-TERM>                                                                            25,000
<PREFERRED-MANDATORY>                                                                       0
<PREFERRED>                                                                                 0
<COMMON>                                                                                   57
<OTHER-SE>                                                                             59,155
<TOTAL-LIABILITIES-AND-EQUITY>                                                        338,796
<INTEREST-LOAN>                                                                        11,213
<INTEREST-INVEST>                                                                      10,479
<INTEREST-OTHER>                                                                            7
<INTEREST-TOTAL>                                                                       21,699
<INTEREST-DEPOSIT>                                                                      8,570
<INTEREST-EXPENSE>                                                                     10,542
<INTEREST-INCOME-NET>                                                                  11,157
<LOAN-LOSSES>                                                                             190
<SECURITIES-GAINS>                                                                        (45)
<EXPENSE-OTHER>                                                                         6,184
<INCOME-PRETAX>                                                                         5,649
<INCOME-PRE-EXTRAORDINARY>                                                              5,649
<EXTRAORDINARY>                                                                             0
<CHANGES>                                                                                   0
<NET-INCOME>                                                                            4,225
<EPS-BASIC>                                                                            1.13
<EPS-DILUTED>                                                                            1.10
<YIELD-ACTUAL>                                                                           3.94
<LOANS-NON>                                                                               396
<LOANS-PAST>                                                                              148
<LOANS-TROUBLED>                                                                            0
<LOANS-PROBLEM>                                                                           299
<ALLOWANCE-OPEN>                                                                        1,950
<CHARGE-OFFS>                                                                              95
<RECOVERIES>                                                                               48
<ALLOWANCE-CLOSE>                                                                       2,093
<ALLOWANCE-DOMESTIC>                                                                    1,674
<ALLOWANCE-FOREIGN>                                                                         0
<ALLOWANCE-UNALLOCATED>                                                                   419


</TABLE>