<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000

<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-2000             SEP-30-2000             SEP-30-1999             SEP-30-1999
<PERIOD-END>                               JUN-30-2000             JUN-30-2000             JUN-30-1999             JUN-30-1999
<CASH>                                          13,905                  13,905                  17,492                  17,492
<INT-BEARING-DEPOSITS>                           9,793                   9,793                       0                       0
<FED-FUNDS-SOLD>                                     0                       0                       0                       0
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                     27,962                  27,962                  27,316                  27,316
<INVESTMENTS-CARRYING>                          27,962                  27,962                  27,316                  27,316
<INVESTMENTS-MARKET>                            27,962                  27,962                  27,316                  27,316
<LOANS>                                        891,599                 891,599                 695,265                 695,265
<ALLOWANCE>                                      7,027                   7,027                   7,919                   7,919
<TOTAL-ASSETS>                                 971,490                 971,490                 780,616                 780,616
<DEPOSITS>                                     617,196                 617,196                 564,091                 564,091
<SHORT-TERM>                                   251,600                 251,600                 129,049                 129,049
<LIABILITIES-OTHER>                             15,408                  15,408                  10,176                  10,176
<LONG-TERM>                                        100                     100                     150                     150
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                         1,448                   1,448                   1,421                   1,421
<OTHER-SE>                                      85,738                  85,738                  75,729                  75,729
<TOTAL-LIABILITIES-AND-EQUITY>                 971,490                 971,490                 780,616                 780,616
<INTEREST-LOAN>                                 20,117                  55,178                  15,020                  43,956
<INTEREST-INVEST>                                  645                   1,891                     749                   2,264
<INTEREST-OTHER>                                    42                     256                      42                     324
<INTEREST-TOTAL>                                20,804                  57,325                  15,811                  46,544
<INTEREST-DEPOSIT>                               7,556                  21,456                   6,363                  19,389
<INTEREST-EXPENSE>                              11,177                  30,563                   8,071                  24,396
<INTEREST-INCOME-NET>                            9,627                  26,762                   7,740                  22,148
<LOAN-LOSSES>                                      150                     450                      75                     225
<SECURITIES-GAINS>                                   0                       0                       0                      95
<EXPENSE-OTHER>                                  5,133                  14,966                   5,092                  14,737
<INCOME-PRETAX>                                  6,942                  18,327                   5,248                  15,861
<INCOME-PRE-EXTRAORDINARY>                       6,942                  18,327                   5,248                  15,861
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                     4,167                   3,149                  11,000                   9,570
<EPS-BASIC>                                       0.46                    1.23                    0.35                    1.06
<EPS-DILUTED>                                     0.45                    1.20                    0.34                    1.04
<YIELD-ACTUAL>                                    4.18                    4.18                    4.08                    4.08
<LOANS-NON>                                      3,244                   3,244                   3,611                   3,611
<LOANS-PAST>                                         0                       0                       0                       0
<LOANS-TROUBLED>                                 6,916                   6,916                   7,089                   7,089
<LOANS-PROBLEM>                                      0                       0                       0                       0
<ALLOWANCE-OPEN>                                 6,950                   6,671                   5,708                   6,365
<CHARGE-OFFS>                                      168                     328                       0                     654
<RECOVERIES>                                       245                     384                      76                      73
<ALLOWANCE-CLOSE>                                7,027                   7,027                   5,784                   5,784
<ALLOWANCE-DOMESTIC>                             7,027                   7,027                   5,784                   5,784
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                          4,948                   4,948                   4,573                   4,573


</TABLE>