<TABLE> <S> <C>

<ARTICLE>                                                              9
<MULTIPLIER>                                                       1,000

<S>                                                                  <C>
<PERIOD-TYPE>                                                      9-MOS
<FISCAL-YEAR-END>                                            SEP-30-1999
<PERIOD-END>                                                 JUN-30-1999
<CASH>                                                             3,407
<INT-BEARING-DEPOSITS>                                                 0
<FED-FUNDS-SOLD>                                                       0
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                      167,706
<INVESTMENTS-CARRYING>                                                 0
<INVESTMENTS-MARKET>                                                   0
<LOANS>                                                          147,884
<ALLOWANCE>                                                        2,050
<TOTAL-ASSETS>                                                   335,042
<DEPOSITS>                                                       220,079
<SHORT-TERM>                                                      21,100
<LIABILITIES-OTHER>                                                4,479
<LONG-TERM>                                                       25,000
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                              57
<OTHER-SE>                                                        64,327
<TOTAL-LIABILITIES-AND-EQUITY>                                   335,042
<INTEREST-LOAN>                                                    8,343
<INTEREST-INVEST>                                                  7,582
<INTEREST-OTHER>                                                     105
<INTEREST-TOTAL>                                                  16,030
<INTEREST-DEPOSIT>                                                 6,456
<INTEREST-EXPENSE>                                                 7,736
<INTEREST-INCOME-NET>                                              8,294
<LOAN-LOSSES>                                                        140
<SECURITIES-GAINS>                                                    22
<EXPENSE-OTHER>                                                    4,584
<INCOME-PRETAX>                                                    4,240
<INCOME-PRE-EXTRAORDINARY>                                         4,240
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                       3,121
<EPS-BASIC>                                                          .81
<EPS-DILUTED>                                                        .80
<YIELD-ACTUAL>                                                      3.95
<LOANS-NON>                                                          608
<LOANS-PAST>                                                           0
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                      547
<ALLOWANCE-OPEN>                                                   1,950
<CHARGE-OFFS>                                                         68
<RECOVERIES>                                                          28
<ALLOWANCE-CLOSE>                                                  2,050
<ALLOWANCE-DOMESTIC>                                               1,622
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                              428


</TABLE>