<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              Sep-30-1999
<PERIOD-END>                                   Jun-30-1999
<CASH>                                             5,149
<INT-BEARING-DEPOSITS>                               480
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                      170,212
<INVESTMENTS-CARRYING>                            18,099
<INVESTMENTS-MARKET>                              17,923
<LOANS>                                          259,563
<ALLOWANCE>                                        2,308
<TOTAL-ASSETS>                                   474,245
<DEPOSITS>                                       270,055
<SHORT-TERM>                                      38,092
<LIABILITIES-OTHER>                                5,935
<LONG-TERM>                                      125,250
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                              20
<OTHER-SE>                                        26,893
<TOTAL-LIABILITIES-AND-EQUITY>                   474,245
<INTEREST-LOAN>                                   14,152
<INTEREST-INVEST>                                  8,511
<INTEREST-OTHER>                                      27
<INTEREST-TOTAL>                                  22,690
<INTEREST-DEPOSIT>                                 7,975
<INTEREST-EXPENSE>                                14,069
<INTEREST-INCOME-NET>                              8,621
<LOAN-LOSSES>                                        360
<SECURITIES-GAINS>                                    74
<EXPENSE-OTHER>                                    6,086
<INCOME-PRETAX>                                    3,289
<INCOME-PRE-EXTRAORDINARY>                         3,289
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       2,368
<EPS-BASIC>                                       1.20
<EPS-DILUTED>                                       1.17
<YIELD-ACTUAL>                                      2.86
<LOANS-NON>                                        2,512
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                   2,243
<CHARGE-OFFS>                                        312
<RECOVERIES>                                          17
<ALLOWANCE-CLOSE>                                  2,308
<ALLOWANCE-DOMESTIC>                               2,308
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0



</TABLE>