<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1998             SEP-30-1998
<PERIOD-START>                              APR-1-1998              OCT-1-1997
<PERIOD-END>                               JUN-30-1998             JUN-30-1998
<CASH>                                           2,511                   2,511
<INT-BEARING-DEPOSITS>                              67                      67
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     29,859                  29,859
<INVESTMENTS-CARRYING>                          25,865                  25,865
<INVESTMENTS-MARKET>                            26,716                  26,716
<LOANS>                                        649,914                 649,914
<ALLOWANCE>                                     10,127                  10,127
<TOTAL-ASSETS>                                 726,707                 726,707
<DEPOSITS>                                     542,012                 542,012
<SHORT-TERM>                                   109,016                 109,016
<LIABILITIES-OTHER>                              8,280                   8,280
<LONG-TERM>                                        398                     398
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         2,334                   2,334
<OTHER-SE>                                      64,664                  64,664
<TOTAL-LIABILITIES-AND-EQUITY>                 726,707                 726,707
<INTEREST-LOAN>                                 14,397                  43,049
<INTEREST-INVEST>                                1,104                   3,481
<INTEREST-OTHER>                                   105                     382
<INTEREST-TOTAL>                                15,606                  46,912
<INTEREST-DEPOSIT>                               6,776                  20,161
<INTEREST-EXPENSE>                               8,509                  26,063
<INTEREST-INCOME-NET>                            7,097                  20,849
<LOAN-LOSSES>                                       62                     377
<SECURITIES-GAINS>                                (14)                    (24)
<EXPENSE-OTHER>                                  4,299                  12,382
<INCOME-PRETAX>                                  5,213                  15,511
<INCOME-PRE-EXTRAORDINARY>                       3,176                   9,510
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,176                   9,510
<EPS-PRIMARY>                                     1.42                    4.25
<EPS-DILUTED>                                     1.39                    4.15
<YIELD-ACTUAL>                                    3.94                    3.94
<LOANS-NON>                                      2,927                   2,927
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                10,947                  10,947
<LOANS-PROBLEM>                                    579                     579
<ALLOWANCE-OPEN>                                 6,587                   6,272
<CHARGE-OFFS>                                        0                       7
<RECOVERIES>                                         8                      15
<ALLOWANCE-CLOSE>                                6,657                   6,657
<ALLOWANCE-DOMESTIC>                             6,657                   6,657
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          5,277                   5,277
        

</TABLE>