<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