<TABLE> <S> <C>

<ARTICLE>                                                                    9
<MULTIPLIER>                                                             1,000
       
<S>                                                                    <C>
<PERIOD-TYPE>                                                                           12-MOS
<FISCAL-YEAR-END>                                                                  SEP-30-1998
<PERIOD-END>                                                                       SEP-30-1998
<CASH>                                                                                   2,795
<INT-BEARING-DEPOSITS>                                                                       0
<FED-FUNDS-SOLD>                                                                             0
<TRADING-ASSETS>                                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                                            164,983
<INVESTMENTS-CARRYING>                                                                   2,060
<INVESTMENTS-MARKET>                                                                     2,106
<LOANS>                                                                                139,735
<ALLOWANCE>                                                                              1,950
<TOTAL-ASSETS>                                                                         314,752
<DEPOSITS>                                                                             209,977
<SHORT-TERM>                                                                             6,840
<LIABILITIES-OTHER>                                                                      5,104
<LONG-TERM>                                                                             25,000
<PREFERRED-MANDATORY>                                                                        0
<PREFERRED>                                                                                  0
<COMMON>                                                                                    57
<OTHER-SE>                                                                              67,774
<TOTAL-LIABILITIES-AND-EQUITY>                                                         314,752
<INTEREST-LOAN>                                                                         10,345
<INTEREST-INVEST>                                                                       10,755
<INTEREST-OTHER>                                                                             4
<INTEREST-TOTAL>                                                                        21,104
<INTEREST-DEPOSIT>                                                                       8,905
<INTEREST-EXPENSE>                                                                       9,960
<INTEREST-INCOME-NET>                                                                   11,144
<LOAN-LOSSES>                                                                              189
<SECURITIES-GAINS>                                                                         143
<EXPENSE-OTHER>                                                                          5,662
<INCOME-PRETAX>                                                                          5,901
<INCOME-PRE-EXTRAORDINARY>                                                               5,901
<EXTRAORDINARY>                                                                              0
<CHANGES>                                                                                    0
<NET-INCOME>                                                                             3,882
<EPS-PRIMARY>                                                                              .95
<EPS-DILUTED>                                                                              .93
<YIELD-ACTUAL>                                                                            3.99
<LOANS-NON>                                                                                520
<LOANS-PAST>                                                                                71
<LOANS-TROUBLED>                                                                             0
<LOANS-PROBLEM>                                                                            311
<ALLOWANCE-OPEN>                                                                         1,889
<CHARGE-OFFS>                                                                              148
<RECOVERIES>                                                                                20
<ALLOWANCE-CLOSE>                                                                        1,950
<ALLOWANCE-DOMESTIC>                                                                     1,472
<ALLOWANCE-FOREIGN>                                                                          0
<ALLOWANCE-UNALLOCATED>                                                                    478
        

</TABLE>