<ARTICLE>                                            9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              SEP-30-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                         3,009,496
<INT-BEARING-DEPOSITS>                         163,142
<FED-FUNDS-SOLD>                               361,394
<TRADING-ASSETS>                               0
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<INVESTMENTS-CARRYING>                         4,075,685
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<ALLOWANCE>                                    321,383
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<DEPOSITS>                                     77,077,495
<SHORT-TERM>                                   710,000
<LIABILITIES-OTHER>                            904,873
<LONG-TERM>                                    11,950,000
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<INTEREST-TOTAL>                               4,916,098
<INTEREST-DEPOSIT>                             2,039,137
<INTEREST-EXPENSE>                             2,540,265
<INTEREST-INCOME-NET>                          2,375,833
<LOAN-LOSSES>                                  (100,000)
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<INCOME-PRETAX>                                634,160
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<EPS-BASIC>                                    3.17
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<LOANS-PAST>                                   0
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<ALLOWANCE-FOREIGN>                            0
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