<TABLE> <S> <C>

<ARTICLE>                                           9
<MULTIPLIER>                                     1,000

<S>                                         <C>
<PERIOD-TYPE>                                                      9-MOS
<FISCAL-YEAR-END>                                            SEP-30-2000
<PERIOD-END>                                                 JUN-30-2000
<CASH>                                                             3,585
<INT-BEARING-DEPOSITS>                                                 0
<FED-FUNDS-SOLD>                                                  44,500
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                       75,944
<INVESTMENTS-CARRYING>                                                 0
<INVESTMENTS-MARKET>                                                   0
<LOANS>                                                          169,396
<ALLOWANCE>                                                        2,200
<TOTAL-ASSETS>                                                   316,243
<DEPOSITS>                                                       221,439
<SHORT-TERM>                                                      20,000
<LIABILITIES-OTHER>                                                6,285
<LONG-TERM>                                                       15,000
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                              57
<OTHER-SE>                                                        53,462
<TOTAL-LIABILITIES-AND-EQUITY>                                   316,243
<INTEREST-LOAN>                                                    9,357
<INTEREST-INVEST>                                                  7,838
<INTEREST-OTHER>                                                     292
<INTEREST-TOTAL>                                                  17,487
<INTEREST-DEPOSIT>                                                 6,277
<INTEREST-EXPENSE>                                                 8,959
<INTEREST-INCOME-NET>                                              8,528
<LOAN-LOSSES>                                                        150
<SECURITIES-GAINS>                                              (11,800)
<EXPENSE-OTHER>                                                    4,976
<INCOME-PRETAX>                                                  (7,542)
<INCOME-PRE-EXTRAORDINARY>                                       (4,233)
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                     (4,233)
<EPS-BASIC>                                                       (1.27)
<EPS-DILUTED>                                                     (1.27)
<YIELD-ACTUAL>                                                      3.86
<LOANS-NON>                                                          494
<LOANS-PAST>                                                           0
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                      180
<ALLOWANCE-OPEN>                                                   2,093
<CHARGE-OFFS>                                                         77
<RECOVERIES>                                                          34
<ALLOWANCE-CLOSE>                                                  2,200
<ALLOWANCE-DOMESTIC>                                               2,044
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                              156


</TABLE>