<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1999             SEP-30-1999
<PERIOD-END>                               JUN-30-1999             JUN-30-1999
<CASH>                                          17,492                  17,492
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     27,316                  27,316
<INVESTMENTS-CARRYING>                          17,620                  17,620
<INVESTMENTS-MARKET>                            18,494                  18,494
<LOANS>                                        695,265                 695,265
<ALLOWANCE>                                      7,919                   7,919
<TOTAL-ASSETS>                                 780,616                 780,616
<DEPOSITS>                                     564,091                 564,091
<SHORT-TERM>                                   129,049                 129,049
<LIABILITIES-OTHER>                             10,176                  10,176
<LONG-TERM>                                        150                     150
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         1,421                   1,421
<OTHER-SE>                                      75,729                  75,729
<TOTAL-LIABILITIES-AND-EQUITY>                 780,616                 780,616
<INTEREST-LOAN>                                 15,020                  43,956
<INTEREST-INVEST>                                  749                   2,264
<INTEREST-OTHER>                                    42                     324
<INTEREST-TOTAL>                                15,811                  46,544
<INTEREST-DEPOSIT>                               6,363                  19,389
<INTEREST-EXPENSE>                               8,071                  24,396
<INTEREST-INCOME-NET>                            7,740                  22,148
<LOAN-LOSSES>                                       75                     225
<SECURITIES-GAINS>                                   0                      95
<EXPENSE-OTHER>                                  5,092                  14,737
<INCOME-PRETAX>                                  5,248                  15,861
<INCOME-PRE-EXTRAORDINARY>                       5,248                  15,861
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,149                   9,570
<EPS-BASIC>                                     0.35                    1.06
<EPS-DILUTED>                                     0.34                    1.04
<YIELD-ACTUAL>                                    4.08                    4.08
<LOANS-NON>                                      3,611                   3,611
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                 7,089                   7,089
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 5,708                   6,365
<CHARGE-OFFS>                                        0                     654
<RECOVERIES>                                        76                      73
<ALLOWANCE-CLOSE>                                5,784                   5,784
<ALLOWANCE-DOMESTIC>                             5,784                   5,784
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          4,573                   4,573


</TABLE>