<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> SEP-30-1999 <PERIOD-END> SEP-30-1999 <CASH> 1,165,895 <INT-BEARING-DEPOSITS> 4,208,016 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 178,489,030 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 306,171,128 <ALLOWANCE> 3,092,628 <TOTAL-ASSETS> 511,212,752 <DEPOSITS> 304,779,921 <SHORT-TERM> 65,770,951 <LIABILITIES-OTHER> 2,293,061 <LONG-TERM> 98,598,071 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 29,580 <OTHER-SE> 39,741,168 <TOTAL-LIABILITIES-AND-EQUITY> 511,212,752 <INTEREST-LOAN> 23,795,796 <INTEREST-INVEST> 11,576,935 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 35,372,731 <INTEREST-DEPOSIT> 14,506,472 <INTEREST-EXPENSE> 22,175,880 <INTEREST-INCOME-NET> 13,196,851 <LOAN-LOSSES> 1,992,000 <SECURITIES-GAINS> 331,611 <EXPENSE-OTHER> 8,644,958 <INCOME-PRETAX> 4,477,918 <INCOME-PRE-EXTRAORDINARY> 2,641,132 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,641,132 <EPS-BASIC> 1.07 <EPS-DILUTED> 1.04 <YIELD-ACTUAL> 2.83 <LOANS-NON> 2,238,536 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,601,000 <LOANS-PROBLEM> 3,914,000 <ALLOWANCE-OPEN> 2,908,902 <CHARGE-OFFS> 1,866,514 <RECOVERIES> 58,240 <ALLOWANCE-CLOSE> 3,092,628 <ALLOWANCE-DOMESTIC> 2,902,628 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 190,000