<TABLE> <S> <C>


<ARTICLE>                                                              9
<MULTIPLIER>                                                       1,000

<S>                                                                  <C>
<PERIOD-TYPE>                                                       YEAR
<FISCAL-YEAR-END>                                            SEP-30-1998
<PERIOD-START>                                               OCT-01-1997
<PERIOD-END>                                                 SEP-30-1998
<CASH>                                                             2,172
<INT-BEARING-DEPOSITS>                                             4,879
<FED-FUNDS-SOLD>                                                      25
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                        6,144
<INVESTMENTS-CARRYING>                                            31,094
<INVESTMENTS-MARKET>                                              31,208
<LOANS>                                                          351,369
<ALLOWANCE>                                                          917
<TOTAL-ASSETS>                                                   408,938
<DEPOSITS>                                                       306,343
<SHORT-TERM>                                                           0
<LIABILITIES-OTHER>                                                4,804
<LONG-TERM>                                                       67,404
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                               0
<OTHER-SE>                                                        30,387
<TOTAL-LIABILITIES-AND-EQUITY>                                   408,938
<INTEREST-LOAN>                                                   28,102
<INTEREST-INVEST>                                                  2,247
<INTEREST-OTHER>                                                     444
<INTEREST-TOTAL>                                                  30,793
<INTEREST-DEPOSIT>                                                15,059
<INTEREST-EXPENSE>                                                19,112
<INTEREST-INCOME-NET>                                             11,681
<LOAN-LOSSES>                                                         86
<SECURITIES-GAINS>                                                     0
<EXPENSE-OTHER>                                                    7,606
<INCOME-PRETAX>                                                    6,222
<INCOME-PRE-EXTRAORDINARY>                                         4,130
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                       4,130
<EPS-BASIC>                                                        .94
<EPS-DILUTED>                                                        .90
<YIELD-ACTUAL>                                                      3.02
<LOANS-NON>                                                        1,009
<LOANS-PAST>                                                         135
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                        0
<ALLOWANCE-OPEN>                                                     905
<CHARGE-OFFS>                                                         76
<RECOVERIES>                                                           2
<ALLOWANCE-CLOSE>                                                    917
<ALLOWANCE-DOMESTIC>                                                   0
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                              917



</TABLE>