<ARTICLE>                                            9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              SEP-30-2000
<PERIOD-END>                                   SEP-30-2000
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<LOANS>                                           223,664
<ALLOWANCE>                                         3,536
<TOTAL-ASSETS>                                    355,527
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<SHORT-TERM>                                            0
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<LONG-TERM>                                        20,000
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<INTEREST-LOAN>                                    18,500
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<INTEREST-DEPOSIT>                                 10,158
<INTEREST-EXPENSE>                                 11,596
<INTEREST-INCOME-NET>                              13,188
<LOAN-LOSSES>                                         240
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                     8,525
<INCOME-PRETAX>                                     6,126
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<EPS-BASIC>                                          1.35
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<LOANS-NON>                                         2,900
<LOANS-PAST>                                            0
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<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                    3,454
<CHARGE-OFFS>                                         164
<RECOVERIES>                                            8
<ALLOWANCE-CLOSE>                                   3,536
<ALLOWANCE-DOMESTIC>                                    0
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0