<TABLE> <S> <C>


<ARTICLE>                                                               9
<MULTIPLIER>                                                        1,000

<S>                                                                   <C>
<PERIOD-TYPE>                                                        YEAR
<FISCAL-YEAR-END>                                             SEP-30-1999
<PERIOD-START>                                                OCT-01-1998
<PERIOD-END>                                                  SEP-30-1999
<CASH>                                                              1,647
<INT-BEARING-DEPOSITS>                                                434
<FED-FUNDS-SOLD>                                                        0
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                         5,913
<INVESTMENTS-CARRYING>                                             30,415
<INVESTMENTS-MARKET>                                               29,832
<LOANS>                                                           413,550
<ALLOWANCE>                                                           932
<TOTAL-ASSETS>                                                    466,278
<DEPOSITS>                                                        312,072
<SHORT-TERM>                                                            0
<LIABILITIES-OTHER>                                                 5,534
<LONG-TERM>                                                       116,532
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<COMMON>                                                                0
<OTHER-SE>                                                         32,140
<TOTAL-LIABILITIES-AND-EQUITY>                                    466,278
<INTEREST-LOAN>                                                    30,343
<INTEREST-INVEST>                                                   2,059
<INTEREST-OTHER>                                                      494
<INTEREST-TOTAL>                                                   32,896
<INTEREST-DEPOSIT>                                                 15,235
<INTEREST-EXPENSE>                                                 20,313
<INTEREST-INCOME-NET>                                              12,583
<LOAN-LOSSES>                                                         160
<SECURITIES-GAINS>                                                      0
<EXPENSE-OTHER>                                                    10,077
<INCOME-PRETAX>                                                     4,580
<INCOME-PRE-EXTRAORDINARY>                                          2,940
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                        2,940
<EPS-BASIC>                                                         .67
<EPS-DILUTED>                                                         .64
<YIELD-ACTUAL>                                                       2.95
<LOANS-NON>                                                           104
<LOANS-PAST>                                                          142
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                         0
<ALLOWANCE-OPEN>                                                      917
<CHARGE-OFFS>                                                         188
<RECOVERIES>                                                           43
<ALLOWANCE-CLOSE>                                                     932
<ALLOWANCE-DOMESTIC>                                                    0
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                               932



</TABLE>