<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1999             SEP-30-1999
<PERIOD-END>                               MAR-31-1999             MAR-31-1999
<CASH>                                           3,826                   3,826
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     27,619                  27,619
<INVESTMENTS-CARRYING>                          19,043                  19,043
<INVESTMENTS-MARKET>                            19,988                  19,988
<LOANS>                                        660,199                 660,199
<ALLOWANCE>                                      7,120                   7,120
<TOTAL-ASSETS>                                 732,350                 732,350
<DEPOSITS>                                     542,544                 542,544
<SHORT-TERM>                                   106,110                 106,110
<LIABILITIES-OTHER>                              8,157                   8,157
<LONG-TERM>                                        150                     150
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         1,421                   1,421
<OTHER-SE>                                      73,968                  73,968
<TOTAL-LIABILITIES-AND-EQUITY>                 732,350                 732,350
<INTEREST-LOAN>                                 14,403                  28,936
<INTEREST-INVEST>                                  800                   1,515
<INTEREST-OTHER>                                    59                     282
<INTEREST-TOTAL>                                15,262                  30,733
<INTEREST-DEPOSIT>                               6,345                  13,025
<INTEREST-EXPENSE>                               7,965                  16,324
<INTEREST-INCOME-NET>                            7,297                  14,409
<LOAN-LOSSES>                                       75                     150
<SECURITIES-GAINS>                                   0                      95
<EXPENSE-OTHER>                                  4,721                   9,644
<INCOME-PRETAX>                                  5,678                  10,615
<INCOME-PRE-EXTRAORDINARY>                       5,678                  10,615
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,408                   6,422
<EPS-PRIMARY>                                     0.38                    0.71
<EPS-DILUTED>                                     0.37                    0.70
<YIELD-ACTUAL>                                    4.01                    4.01
<LOANS-NON>                                      3,582                   3,582
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                 7,089                   7,089
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 6,657                   6,365
<CHARGE-OFFS>                                      130                     654
<RECOVERIES>                                     1,079                   1,311
<ALLOWANCE-CLOSE>                                5,708                   5,708
<ALLOWANCE-DOMESTIC>                             5,708                   5,708
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          4,555                   4,555
        

</TABLE>