<ARTICLE> 9
<CIK> 0000916396
<NAME> MFB CORP.
<MULTIPLIER> 1,000
<CURRENCY> U.S.DOLLARS

                                        
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-START>                             APR-01-1999
<PERIOD-END>                               JUN-30-1999
<EXCHANGE-RATE>                                  1.000
<CASH>                                           6,415
<INT-BEARING-DEPOSITS>                           2,373
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     46,314
<INVESTMENTS-CARRYING>                           3,482
<INVESTMENTS-MARKET>                             3,380
<LOANS>                                        251,799
<ALLOWANCE>                                        609
<TOTAL-ASSETS>                                 338,718
<DEPOSITS>                                     196,237
<SHORT-TERM>                                    11,092
<LIABILITIES-OTHER>                              1,943
<LONG-TERM>                                     98,226
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        12,995
<OTHER-SE>                                      18,225
<TOTAL-LIABILITIES-AND-EQUITY>                 338,718
<INTEREST-LOAN>                                  5,037
<INTEREST-INVEST>                                  880
<INTEREST-OTHER>                                   158
<INTEREST-TOTAL>                                 6,075
<INTEREST-DEPOSIT>                               2,150
<INTEREST-EXPENSE>                               3,608
<INTEREST-INCOME-NET>                            2,467
<LOAN-LOSSES>                                       65
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                  2,023
<INCOME-PRETAX>                                    637
<INCOME-PRE-EXTRAORDINARY>                         365
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       365
<EPS-BASIC>                                      .26
<EPS-DILUTED>                                      .25
<YIELD-ACTUAL>                                    3.05
<LOANS-NON>                                          0
<LOANS-PAST>                                        93
<LOANS-TROUBLED>                                    00
<LOANS-PROBLEM>                                     00
<ALLOWANCE-OPEN>                                   544
<CHARGE-OFFS>                                       00
<RECOVERIES>                                        00
<ALLOWANCE-CLOSE>                                  609
<ALLOWANCE-DOMESTIC>                               584
<ALLOWANCE-FOREIGN>                                 00
<ALLOWANCE-UNALLOCATED>                             25