<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>                                       6-MOS
<FISCAL-YEAR-END>                             SEP-30-2000
<PERIOD-END>                                  MAR-31-2000
<CASH>                                              6,086
<INT-BEARING-DEPOSITS>                                794
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                       169,357
<INVESTMENTS-CARRYING>                             20,809
<INVESTMENTS-MARKET>                               20,327
<LOANS>                                           297,454
<ALLOWANCE>                                         2,567
<TOTAL-ASSETS>                                    511,151
<DEPOSITS>                                        276,493
<SHORT-TERM>                                       86,296
<LIABILITIES-OTHER>                                 5,719
<LONG-TERM>                                       106,382
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                               20
<OTHER-SE>                                         25,991
<TOTAL-LIABILITIES-AND-EQUITY>                    511,151
<INTEREST-LOAN>                                    11,197
<INTEREST-INVEST>                                   5,976
<INTEREST-OTHER>                                       17
<INTEREST-TOTAL>                                   17,190
<INTEREST-DEPOSIT>                                  5,187
<INTEREST-EXPENSE>                                 10,901
<INTEREST-INCOME-NET>                               6,289
<LOAN-LOSSES>                                         240
<SECURITIES-GAINS>                                     84
<EXPENSE-OTHER>                                     4,078
<INCOME-PRETAX>                                     2,886
<INCOME-PRE-EXTRAORDINARY>                          2,886
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                        2,078
<EPS-BASIC>                                          1.09
<EPS-DILUTED>                                        1.08
<YIELD-ACTUAL>                                       2.83
<LOANS-NON>                                           919
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                    2,477
<CHARGE-OFFS>                                         171
<RECOVERIES>                                           21
<ALLOWANCE-CLOSE>                                   2,567
<ALLOWANCE-DOMESTIC>                                2,567
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0



</TABLE>