<ARTICLE>              9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated condensed statement of financial condition and the consolidated
statements of income and is qualified in its entirety by reference to such
financial statements.
</LEGEND>

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                       2,337,129
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             6,608,999
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 17,739,745
<INVESTMENTS-CARRYING>                       7,273,774
<INVESTMENTS-MARKET>                         7,272,518
<LOANS>                                     76,726,537
<ALLOWANCE>                                    557,437
<TOTAL-ASSETS>                             114,230,716
<DEPOSITS>                                  87,813,082
<SHORT-TERM>                                 1,104,000
<LIABILITIES-OTHER>                          1,388,741
<LONG-TERM>                                  4,450,310
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,547
<OTHER-SE>                                  19,460,036
<TOTAL-LIABILITIES-AND-EQUITY>             114,230,716
<INTEREST-LOAN>                              1,459,126
<INTEREST-INVEST>                              350,215
<INTEREST-OTHER>                                68,051
<INTEREST-TOTAL>                             1,877,392
<INTEREST-DEPOSIT>                             721,889
<INTEREST-EXPENSE>                             809,536
<INTEREST-INCOME-NET>                        1,067,856
<LOAN-LOSSES>                                   12,000
<SECURITIES-GAINS>                               5,982
<EXPENSE-OTHER>                                750,028
<INCOME-PRETAX>                                416,481
<INCOME-PRE-EXTRAORDINARY>                     416,481
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   239,181
<EPS-BASIC>                                        .19
<EPS-DILUTED>                                      .19
<YIELD-ACTUAL>                                    6.85
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               545,437
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              557,437
<ALLOWANCE-DOMESTIC>                           420,130
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        137,307