<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                                  14,533            
<INT-BEARING-DEPOSITS>                                  10,290     
<FED-FUNDS-SOLD>                                             0    
<TRADING-ASSETS>                                             0    
<INVESTMENTS-HELD-FOR-SALE>                            169,249           
<INVESTMENTS-CARRYING>                                       0 
<INVESTMENTS-MARKET>                                         0 
<LOANS>                                                452,937  
<ALLOWANCE>                                              6,160  
<TOTAL-ASSETS>                                         672,541  
<DEPOSITS>                                             385,397  
<SHORT-TERM>                                           121,887  
<LIABILITIES-OTHER>                                      9,331  
<LONG-TERM>                                            115,087  
<PREFERRED-MANDATORY>                                        0  
<PREFERRED>                                                  0  
<COMMON>                                                    64  
<OTHER-SE>                                              40,775  
<TOTAL-LIABILITIES-AND-EQUITY>                         672,541  
<INTEREST-LOAN>                                         19,139  
<INTEREST-INVEST>                                        5,065  
<INTEREST-OTHER>                                           180  
<INTEREST-TOTAL>                                        24,384  
<INTEREST-DEPOSIT>                                       7,484  
<INTEREST-EXPENSE>                                      13,521  
<INTEREST-INCOME-NET>                                   10,863  
<LOAN-LOSSES>                                             (577)  
<SECURITIES-GAINS>                                         225  
<EXPENSE-OTHER>                                          7,598  
<INCOME-PRETAX>                                          5,852  
<INCOME-PRE-EXTRAORDINARY>                                   0
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             3,729                          
<EPS-PRIMARY>                                              .59  
<EPS-DILUTED>                                             7.79  
<YIELD-ACTUAL>                                               0
<LOANS-NON>                                                601 
<LOANS-PAST>                                                 0 
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                         6,160 
<CHARGE-OFFS>                                              120 
<RECOVERIES>                                               181 
<ALLOWANCE-CLOSE>                                            0 
<ALLOWANCE-DOMESTIC>                                     6,160    
<ALLOWANCE-FOREIGN>                                          0 
<ALLOWANCE-UNALLOCATED>                                      0 
                                                         

</TABLE>