<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-START>                             OCT-01-1998
<PERIOD-END>                               SEP-30-1999
<CASH>                                           3,139
<INT-BEARING-DEPOSITS>                             403
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                 2,627
<INVESTMENTS-HELD-FOR-SALE>                     39,801
<INVESTMENTS-CARRYING>                          12,317
<INVESTMENTS-MARKET>                            12,199
<LOANS>                                        192,115
<ALLOWANCE>                                        765
<TOTAL-ASSETS>                                 256,677
<DEPOSITS>                                     168,471
<SHORT-TERM>                                     9,200
<LIABILITIES-OTHER>                              1,694
<LONG-TERM>                                     52,283
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      25,028
<TOTAL-LIABILITIES-AND-EQUITY>                 256,677
<INTEREST-LOAN>                                 14,180
<INTEREST-INVEST>                                3,167
<INTEREST-OTHER>                                    17
<INTEREST-TOTAL>                                17,364
<INTEREST-DEPOSIT>                               8,028
<INTEREST-EXPENSE>                              11,033
<INTEREST-INCOME-NET>                            6,331
<LOAN-LOSSES>                                      120
<SECURITIES-GAINS>                                  47
<EXPENSE-OTHER>                                  4,337
<INCOME-PRETAX>                                  2,426
<INCOME-PRE-EXTRAORDINARY>                       1,603
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,603
<EPS-BASIC>                                        .80
<EPS-DILUTED>                                      .80
<YIELD-ACTUAL>                                    2.62
<LOANS-NON>                                        231
<LOANS-PAST>                                       225
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   676
<CHARGE-OFFS>                                       31
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  765
<ALLOWANCE-DOMESTIC>                               765
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            364


</TABLE>