<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
consolidated  balance  sheet and the  consolidated  statement of income,  and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
       
<S>                                                 <C>
<PERIOD-TYPE>                                    3-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                           5,177
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,031
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    116,258
<INVESTMENTS-CARRYING>                          27,286
<INVESTMENTS-MARKET>                            27,517
<LOANS>                                        208,184
<ALLOWANCE>                                      1,453
<TOTAL-ASSETS>                                 382,195
<DEPOSITS>                                     253,225
<SHORT-TERM>                                    86,012
<LIABILITIES-OTHER>                              1,208
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            36
<OTHER-SE>                                      41,714
<TOTAL-LIABILITIES-AND-EQUITY>                 382,195
<INTEREST-LOAN>                                  7,544
<INTEREST-INVEST>                                5,182
<INTEREST-OTHER>                                   367
<INTEREST-TOTAL>                                13,093
<INTEREST-DEPOSIT>                               4,721
<INTEREST-EXPENSE>                               7,344
<INTEREST-INCOME-NET>                            5,749
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                  73
<EXPENSE-OTHER>                                  4,344
<INCOME-PRETAX>                                  2,191
<INCOME-PRE-EXTRAORDINARY>                       2,191
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,334
<EPS-PRIMARY>                                     0.54
<EPS-DILUTED>                                     0.54
<YIELD-ACTUAL>                                    3.07
<LOANS-NON>                                        777
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    455
<ALLOWANCE-OPEN>                                 1,302
<CHARGE-OFFS>                                        2
<RECOVERIES>                                         3
<ALLOWANCE-CLOSE>                                1,453
<ALLOWANCE-DOMESTIC>                             1,453
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>