<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
     SUCH FINANCIAL INFORMATION.
</LEGEND>


<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  YEAR             
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   SEP-30-1998                                      
<CASH>                                           22,597
<INT-BEARING-DEPOSITS>                                0
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      39,043  
<INVESTMENTS-CARRYING>                           60,830
<INVESTMENTS-MARKET>                             59,322
<LOANS>                                         284,310
<ALLOWANCE>                                      (1,035)
<TOTAL-ASSETS>                                  416,232
<DEPOSITS>                                      226,542
<SHORT-TERM>                                    144,177
<LIABILITIES-OTHER>                               2,995
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                            450 
<OTHER-SE>                                       42,068
<TOTAL-LIABILITIES-AND-EQUITY>                  416,232
<INTEREST-LOAN>                                  23,512
<INTEREST-INVEST>                                 6,469
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                 29,981 
<INTEREST-DEPOSIT>                               10,082
<INTEREST-EXPENSE>                                8,417
<INTEREST-INCOME-NET>                            11,482
<LOAN-LOSSES>                                       302
<SECURITIES-GAINS>                                  360
<EXPENSE-OTHER>                                   8,395
<INCOME-PRETAX>                                   5,054
<INCOME-PRE-EXTRAORDINARY>                        3,030
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      3,030
<EPS-PRIMARY>                                      1.14
<EPS-DILUTED>                                      1.05 
<YIELD-ACTUAL>                                     2.89
<LOANS-NON>                                         811
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                    852
<CHARGE-OFFS>                                       132
<RECOVERIES>                                         13
<ALLOWANCE-CLOSE>                                 1,035
<ALLOWANCE-DOMESTIC>                              1,035
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0
        


</TABLE>