<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-2000             SEP-30-1999
<PERIOD-END>                               DEC-31-1999             DEC-31-1998
<CASH>                                           5,068                   2,309
<INT-BEARING-DEPOSITS>                             132                   4,575
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     15,055                  28,129
<INVESTMENTS-CARRYING>                          15,055                  28,129
<INVESTMENTS-MARKET>                            15,055                  28,129
<LOANS>                                        824,163                 669,950
<ALLOWANCE>                                      8,054                   7,300
<TOTAL-ASSETS>                                 867,915                 745,468
<DEPOSITS>                                     563,482                 546,408
<SHORT-TERM>                                   213,726                 114,170
<LIABILITIES-OTHER>                              9,973                  12,061
<LONG-TERM>                                        150                     200
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         1,425                   1,421
<OTHER-SE>                                      79,159                  73,968
<TOTAL-LIABILITIES-AND-EQUITY>                 867,915                 745,468
<INTEREST-LOAN>                                 17,405                  15,015
<INTEREST-INVEST>                                  268                     234
<INTEREST-OTHER>                                   123                     223
<INTEREST-TOTAL>                                17,796                  15,472
<INTEREST-DEPOSIT>                               6,865                   6,680
<INTEREST-EXPENSE>                               9,391                   8,359
<INTEREST-INCOME-NET>                            8,405                   7,113
<LOAN-LOSSES>                                      150                      75
<SECURITIES-GAINS>                                   0                      94
<EXPENSE-OTHER>                                  4,962                   4,922
<INCOME-PRETAX>                                  5,479                   4,937
<INCOME-PRE-EXTRAORDINARY>                       5,479                   4,937
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,288                   3,015
<EPS-BASIC>                                       0.37                    0.34
<EPS-DILUTED>                                     0.36                    0.33
<YIELD-ACTUAL>                                    4.14                    3.94
<LOANS-NON>                                      4,791                   3,724
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                 6,408                   7,257
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 6,671                   6,365
<CHARGE-OFFS>                                      139                     524
<RECOVERIES>                                       139                       0
<ALLOWANCE-CLOSE>                                6,821                   5,916
<ALLOWANCE-DOMESTIC>                             6,821                   5,916
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          4,881                   4,821


</TABLE>