<ARTICLE> 9 <MULTIPLIER> 1 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-2000 <PERIOD-END> DEC-31-1999 <CASH> 5,093,224 <INT-BEARING-DEPOSITS> 161,524 <FED-FUNDS-SOLD> 666,690 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 32,299,450 <INVESTMENTS-CARRYING> 4,698,814 <INVESTMENTS-MARKET> 4,684,817 <LOANS> 43,394,575 <ALLOWANCE> 286,892 <TOTAL-ASSETS> 91,957,054 <DEPOSITS> 71,892,563 <SHORT-TERM> 2,000,000 <LIABILITIES-OTHER> 1,019,002 <LONG-TERM> 9,200,000 <COMMON> 1,311,108 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 6,592,466 <TOTAL-LIABILITIES-AND-EQUITY> 91,957,054 <INTEREST-LOAN> 961,326 <INTEREST-INVEST> 593,949 <INTEREST-OTHER> 53,563 <INTEREST-TOTAL> 1,608,838 <INTEREST-DEPOSIT> 659,631 <INTEREST-EXPENSE> 822,144 <INTEREST-INCOME-NET> 786,694 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 758,211 <INCOME-PRETAX> 153,416 <INCOME-PRE-EXTRAORDINARY> 95,247 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 95,247 <EPS-BASIC> 0.76 <EPS-DILUTED> 0.72 <YIELD-ACTUAL> 7.59 <LOANS-NON> 1,030,419 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 115,615 <ALLOWANCE-OPEN> 310,157 <CHARGE-OFFS> 33,335 <RECOVERIES> 10,070 <ALLOWANCE-CLOSE> 286,892 <ALLOWANCE-DOMESTIC> 286,892 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0