<TABLE> <S> <C>


<ARTICLE>                     9
<MULTIPLIER>                                        1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              SEP-30-2000
<PERIOD-START>                                 OCT-01-1999
<PERIOD-END>                                   JUN-30-2000
<CASH>                                               2,814
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         19,948
<INVESTMENTS-CARRYING>                              12,864
<INVESTMENTS-MARKET>                                12,111
<LOANS>                                            177,267
<ALLOWANCE>                                          1,529
<TOTAL-ASSETS>                                     245,488
<DEPOSITS>                                         160,821
<SHORT-TERM>                                        10,550
<LIABILITIES-OTHER>                                  2,206
<LONG-TERM>                                         32,500
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            15,174
<OTHER-SE>                                          23,233
<TOTAL-LIABILITIES-AND-EQUITY>                     245,488
<INTEREST-LOAN>                                      9,569
<INTEREST-INVEST>                                    1,597
<INTEREST-OTHER>                                       973
<INTEREST-TOTAL>                                    12,139
<INTEREST-DEPOSIT>                                   5,104
<INTEREST-EXPENSE>                                   6,741
<INTEREST-INCOME-NET>                                5,398
<LOAN-LOSSES>                                           23
<SECURITIES-GAINS>                                     226
<EXPENSE-OTHER>                                      4,490
<INCOME-PRETAX>                                      2,360
<INCOME-PRE-EXTRAORDINARY>                           2,360
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,577
<EPS-BASIC>                                           0.37
<EPS-DILUTED>                                         0.37
<YIELD-ACTUAL>                                         2.6
<LOANS-NON>                                            144
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      1,453
<ALLOWANCE-OPEN>                                     1,522
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    1,529
<ALLOWANCE-DOMESTIC>                                 1,529
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>