<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS 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>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           2,936
<INT-BEARING-DEPOSITS>                             668
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                 2,612
<INVESTMENTS-HELD-FOR-SALE>                     39,310
<INVESTMENTS-CARRYING>                          11,993
<INVESTMENTS-MARKET>                            11,756
<LOANS>                                        196,460
<ALLOWANCE>                                        791
<TOTAL-ASSETS>                                 259,963
<DEPOSITS>                                     166,315
<SHORT-TERM>                                    12,400
<LIABILITIES-OTHER>                              2,000
<LONG-TERM>                                     53,959
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      25,289
<TOTAL-LIABILITIES-AND-EQUITY>                 259,963
<INTEREST-LOAN>                                  3,750
<INTEREST-INVEST>                                  733
<INTEREST-OTHER>                                    53
<INTEREST-TOTAL>                                 4,536
<INTEREST-DEPOSIT>                               1,966
<INTEREST-EXPENSE>                               2,860
<INTEREST-INCOME-NET>                            1,676
<LOAN-LOSSES>                                       25
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  1,114
<INCOME-PRETAX>                                    680
<INCOME-PRE-EXTRAORDINARY>                         449
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       449
<EPS-BASIC>                                        .23
<EPS-DILUTED>                                      .23
<YIELD-ACTUAL>                                    2.66
<LOANS-NON>                                        231
<LOANS-PAST>                                       445
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   765
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  791
<ALLOWANCE-DOMESTIC>                               791
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            283


</TABLE>