<TABLE> <S> <C>

<ARTICLE>                                     9
<MULTIPLIER>                     1,000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                                    SEP-30-1999
<PERIOD-END>                                         DEC-31-1998
<CASH>                                                     4,176
<INT-BEARING-DEPOSITS>                                         0
<FED-FUNDS-SOLD>                                               0
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                              157,785
<INVESTMENTS-CARRYING>                                     2,064
<INVESTMENTS-MARKET>                                       2,096
<LOANS>                                                  144,528
<ALLOWANCE>                                                1,984
<TOTAL-ASSETS>                                           323,793
<DEPOSITS>                                               215,133
<SHORT-TERM>                                               9,825
<LIABILITIES-OTHER>                                        5,773
<LONG-TERM>                                               25,000
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                      57
<OTHER-SE>                                                68,005
<TOTAL-LIABILITIES-AND-EQUITY>                           323,793
<INTEREST-LOAN>                                            2,757
<INTEREST-INVEST>                                          2,554
<INTEREST-OTHER>                                              35
<INTEREST-TOTAL>                                           5,346
<INTEREST-DEPOSIT>                                         2,226
<INTEREST-EXPENSE>                                         2,626
<INTEREST-INCOME-NET>                                      2,720
<LOAN-LOSSES>                                                 45
<SECURITIES-GAINS>                                            22
<EXPENSE-OTHER>                                            1,465
<INCOME-PRETAX>                                            1,374
<INCOME-PRE-EXTRAORDINARY>                                 1,374
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                                 981
<EPS-PRIMARY>                                                .26
<EPS-DILUTED>                                                .25
<YIELD-ACTUAL>                                              3.83
<LOANS-NON>                                                  506
<LOANS-PAST>                                                   0
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                              300
<ALLOWANCE-OPEN>                                           1,950
<CHARGE-OFFS>                                                 13
<RECOVERIES>                                                   2
<ALLOWANCE-CLOSE>                                          1,984
<ALLOWANCE-DOMESTIC>                                       1,542
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                      442
        

</TABLE>