<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     ANNUAL  REPORT ON FORM 10-KSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                          10,680
<INT-BEARING-DEPOSITS>                             658
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     36,769
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        348,687
<ALLOWANCE>                                      3,515
<TOTAL-ASSETS>                                 408,823
<DEPOSITS>                                     279,265
<SHORT-TERM>                                    36,740
<LIABILITIES-OTHER>                              4,132
<LONG-TERM>                                     30,981
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            42
<OTHER-SE>                                      52,485
<TOTAL-LIABILITIES-AND-EQUITY>                 408,823
<INTEREST-LOAN>                                 27,470
<INTEREST-INVEST>                                2,682
<INTEREST-OTHER>                                   205
<INTEREST-TOTAL>                                30,357
<INTEREST-DEPOSIT>                              12,912
<INTEREST-EXPENSE>                              16,712
<INTEREST-INCOME-NET>                           13,645
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                 138
<EXPENSE-OTHER>                                 11,198
<INCOME-PRETAX>                                  5,880
<INCOME-PRE-EXTRAORDINARY>                       5,880
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,813
<EPS-PRIMARY>                                     1.23
<EPS-DILUTED>                                     1.17
<YIELD-ACTUAL>                                    2.79
<LOANS-NON>                                      1,054
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,355
<CHARGE-OFFS>                                       64
<RECOVERIES>                                        44
<ALLOWANCE-CLOSE>                                3,515
<ALLOWANCE-DOMESTIC>                             3,515
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>