<ARTICLE> 9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          12,785
<INT-BEARING-DEPOSITS>                               0
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<TRADING-ASSETS>                                     0
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<ALLOWANCE>                                      7,653
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<SHORT-TERM>                                   127,571
<LIABILITIES-OTHER>                             11,282
<LONG-TERM>                                          0
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<COMMON>                                           828
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<INTEREST-LOAN>                                 45,043
<INTEREST-INVEST>                               13,268
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<INTEREST-INCOME-NET>                           32,865
<LOAN-LOSSES>                                    1,710
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 25,808
<INCOME-PRETAX>                                  8,738
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<ALLOWANCE-OPEN>                                 6,202
<CHARGE-OFFS>                                      370
<RECOVERIES>                                       111
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<ALLOWANCE-FOREIGN>                                  0
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