<TABLE> <S> <C>

<ARTICLE>                                            9
<MULTIPLIER>                                     1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              SEP-30-2000
<PERIOD-END>                                   JUN-03-2000
<CASH>                                               17,043
<INT-BEARING-DEPOSITS>                                4,895
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                         195,458
<INVESTMENTS-CARRYING>                                    0
<INVESTMENTS-MARKET>                                      0
<LOANS>                                             521,834
<ALLOWANCE>                                           6,890
<TOTAL-ASSETS>                                      769,848
<DEPOSITS>                                          409,097
<SHORT-TERM>                                        281,185
<LIABILITIES-OTHER>                                   9,611
<LONG-TERM>                                          25,368
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                                 74
<OTHER-SE>                                           44,513
<TOTAL-LIABILITIES-AND-EQUITY>                      769,848
<INTEREST-LOAN>                                      32,278
<INTEREST-INVEST>                                     9,907
<INTEREST-OTHER>                                        442
<INTEREST-TOTAL>                                     42,627
<INTEREST-DEPOSIT>                                   11,531
<INTEREST-EXPENSE>                                   24,321
<INTEREST-INCOME-NET>                                18,306
<LOAN-LOSSES>                                           485
<SECURITIES-GAINS>                                  (1,705)
<EXPENSE-OTHER>                                      12,196
<INCOME-PRETAX>                                       9,728
<INCOME-PRE-EXTRAORDINARY>                                0
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                          6,248
<EPS-BASIC>                                             .84
<EPS-DILUTED>                                           .83
<YIELD-ACTUAL>                                         8.24
<LOANS-NON>                                           1,495
<LOANS-PAST>                                              0
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                      6,890
<CHARGE-OFFS>                                           332
<RECOVERIES>                                             64
<ALLOWANCE-CLOSE>                                         0
<ALLOWANCE-DOMESTIC>                                  6,890
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0


</TABLE>