WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Condition at September 30, 1998 and the Consolidated
Statement of Earnings for the year ended September 30, 1998 and is qualified in
its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                            1320
<INT-BEARING-DEPOSITS>                             555
<FED-FUNDS-SOLD>                                   100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      58979
<INVESTMENTS-CARRYING>                           17687
<INVESTMENTS-MARKET>                             18023
<LOANS>                                         426199
<ALLOWANCE>                                        591
<TOTAL-ASSETS>                                  513563
<DEPOSITS>                                      330670
<SHORT-TERM>                                     22400
<LIABILITIES-OTHER>                              12896
<LONG-TERM>                                      99000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            38
<OTHER-SE>                                       48559
<TOTAL-LIABILITIES-AND-EQUITY>                  513563
<INTEREST-LOAN>                                  30231
<INTEREST-INVEST>                                 5777
<INTEREST-OTHER>                                   119
<INTEREST-TOTAL>                                 36127
<INTEREST-DEPOSIT>                               15936
<INTEREST-EXPENSE>                               21836
<INTEREST-INCOME-NET>                            14291
<LOAN-LOSSES>                                      181
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   9218
<INCOME-PRETAX>                                   5999
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      3780
<EPS-BASIC>                                       1.41
<EPS-DILUTED>                                     1.33
<YIELD-ACTUAL>                                    2.38
<LOANS-NON>                                        831
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   460
<CHARGE-OFFS>                                       51
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  591
<ALLOWANCE-DOMESTIC>                               591
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              8
        

</TABLE>