<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000

<S>                                                                          <C>
<PERIOD-TYPE>                                                               YEAR
<FISCAL-YEAR-END>                                                    SEP-30-2000
<PERIOD-START>                                                       OCT-01-1999
<PERIOD-END>                                                         SEP-30-2000
<CASH>                                                                     1,351
<INT-BEARING-DEPOSITS>                                                       672
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                4,618
<INVESTMENTS-CARRYING>                                                    28,024
<INVESTMENTS-MARKET>                                                      27,511
<LOANS>                                                                  415,447
<ALLOWANCE>                                                                1,000
<TOTAL-ASSETS>                                                           465,214
<DEPOSITS>                                                               309,889
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        5,599
<LONG-TERM>                                                              115,720
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                34,006
<TOTAL-LIABILITIES-AND-EQUITY>                                           465,214
<INTEREST-LOAN>                                                           33,521
<INTEREST-INVEST>                                                          1,967
<INTEREST-OTHER>                                                             454
<INTEREST-TOTAL>                                                          35,942
<INTEREST-DEPOSIT>                                                        15,857
<INTEREST-EXPENSE>                                                        23,470
<INTEREST-INCOME-NET>                                                     12,472
<LOAN-LOSSES>                                                                125
<SECURITIES-GAINS>                                                             8
<EXPENSE-OTHER>                                                            8,654
<INCOME-PRETAX>                                                            5,086
<INCOME-PRE-EXTRAORDINARY>                                                 3,385
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               3,385
<EPS-BASIC>                                                                  .77
<EPS-DILUTED>                                                                .74
<YIELD-ACTUAL>                                                              2.70
<LOANS-NON>                                                                  573
<LOANS-PAST>                                                                 654
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             932
<CHARGE-OFFS>                                                                124
<RECOVERIES>                                                                  67
<ALLOWANCE-CLOSE>                                                          1,000
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                    1,000



</TABLE>