<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000

<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-2000             SEP-30-2000             SEP-30-1999             SEP-30-1999
<PERIOD-END>                               MAR-31-2000             MAR-31-2000             MAR-31-1999             MAR-31-1999
<CASH>                                           8,144                   8,144                   3,826                   3,826
<INT-BEARING-DEPOSITS>                           5,851                   5,851                       0                       0
<FED-FUNDS-SOLD>                                     0                       0                       0                       0
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                     15,541                  15,541                  11,503                  11,503
<INVESTMENTS-CARRYING>                          15,541                  15,541                  11,503                  11,503
<INVESTMENTS-MARKET>                            15,541                  15,541                  11,503                  11,503
<LOANS>                                        838,385                 838,385                 660,199                 660,199
<ALLOWANCE>                                      8,104                   8,104                   7,120                   7,120
<TOTAL-ASSETS>                                 909,597                 909,597                 732,350                 732,350
<DEPOSITS>                                     597,790                 597,790                 542,544                 542,544
<SHORT-TERM>                                   213,726                 213,726                 106,110                 106,110
<LIABILITIES-OTHER>                             11,136                  11,136                   8,157                   8,157
<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>                                      82,459                  82,459                  73,968                  73,968
<TOTAL-LIABILITIES-AND-EQUITY>                 909,597                 909,597                 732,350                 732,350
<INTEREST-LOAN>                                 17,938                  35,061                  14,403                  28,936
<INTEREST-INVEST>                                  695                   1,245                     800                   1,515
<INTEREST-OTHER>                                    91                     214                      59                     282
<INTEREST-TOTAL>                                18,724                  36,520                  15,262                  30,733
<INTEREST-DEPOSIT>                               7,035                  13,900                   6,345                  13,025
<INTEREST-EXPENSE>                               9,994                  19,385                   7,965                  16,324
<INTEREST-INCOME-NET>                            8,730                  17,135                   7,297                  14,409
<LOAN-LOSSES>                                      150                     300                      75                     150
<SECURITIES-GAINS>                                   0                       0                       0                      95
<EXPENSE-OTHER>                                  4,872                   9,833                   4,721                   9,644
<INCOME-PRETAX>                                  5,907                  11,384                   5,678                  10,615
<INCOME-PRE-EXTRAORDINARY>                       5,907                  11,384                   5,678                  10,615
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                     3,545                   6,832                   3,408                   6,422
<EPS-BASIC>                                       0.39                    0.76                    0.38                    0.71
<EPS-DILUTED>                                     0.39                    0.75                    0.37                    0.70
<YIELD-ACTUAL>                                    4.13                    4.13                    4.01                    4.01
<LOANS-NON>                                      5,345                   5,345                   3,582                   3,582
<LOANS-PAST>                                         0                       0                       0                       0
<LOANS-TROUBLED>                                 6,596                   7,089                   6,596                   7,089
<LOANS-PROBLEM>                                      0                       0                       0                       0
<ALLOWANCE-OPEN>                                 6,821                   6,671                   6,657                   6,365
<CHARGE-OFFS>                                       21                     160                     130                     654
<RECOVERIES>                                       150                     439                   1,079                   1,311
<ALLOWANCE-CLOSE>                                6,950                   6,950                   5,708                   5,708
<ALLOWANCE-DOMESTIC>                             6,950                   6,950                   5,708                   5,708
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                          4,849                   4,849                   4,555                   4,555


</TABLE>