<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>                                               3,436
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         22,483
<INVESTMENTS-CARRYING>                              13,365
<INVESTMENTS-MARKET>                                12,934
<LOANS>                                            168,234
<ALLOWANCE>                                          1,496
<TOTAL-ASSETS>                                     230,056
<DEPOSITS>                                         154,427
<SHORT-TERM>                                        10,500
<LIABILITIES-OTHER>                                  2,409
<LONG-TERM>                                         22,500
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            17,294
<OTHER-SE>                                          22,926
<TOTAL-LIABILITIES-AND-EQUITY>                     230,056
<INTEREST-LOAN>                                      8,902
<INTEREST-INVEST>                                    1,856
<INTEREST-OTHER>                                       606
<INTEREST-TOTAL>                                    11,364
<INTEREST-DEPOSIT>                                   4,738
<INTEREST-EXPENSE>                                   5,798
<INTEREST-INCOME-NET>                                5,566
<LOAN-LOSSES>                                           90
<SECURITIES-GAINS>                                   1,177
<EXPENSE-OTHER>                                      4,921
<INCOME-PRETAX>                                      2,618
<INCOME-PRE-EXTRAORDINARY>                           2,618
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,679
<EPS-BASIC>                                         0.14
<EPS-DILUTED>                                         0.14
<YIELD-ACTUAL>                                         2.7
<LOANS-NON>                                            152
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                       259
<LOANS-PROBLEM>                                      1,602
<ALLOWANCE-OPEN>                                     1,476
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    1,496
<ALLOWANCE-DOMESTIC>                                 1,496
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>