<ARTICLE> 9
<MULTIPLIER>  1

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                       2,969,744
<INT-BEARING-DEPOSITS>                         160,654
<FED-FUNDS-SOLD>                             2,377,323
<TRADING-ASSETS>                                     0
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<INVESTMENTS-MARKET>                         6,427,610
<LOANS>                                     43,680,543
<ALLOWANCE>                                    498,254
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<DEPOSITS>                                  74,955,560
<SHORT-TERM>                                 5,000,000
<LIABILITIES-OTHER>                            784,935
<LONG-TERM>                                  4,200,000
<COMMON>                                     1,309,608
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<INTEREST-DEPOSIT>                           2,032,724
<INTEREST-EXPENSE>                           2,427,913
<INTEREST-INCOME-NET>                        2,267,575
<LOAN-LOSSES>                                        0
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<EXPENSE-OTHER>                              2,211,335
<INCOME-PRETAX>                                413,334
<INCOME-PRE-EXTRAORDINARY>                     264,534
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   264,534
<EPS-BASIC>                                     2.21
<EPS-DILUTED>                                     1.94
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<LOANS-PAST>                                         0
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<ALLOWANCE-FOREIGN>                                  0
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