<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION QUARTERLY REPORT ON FORM
10-Q FOR THE FISCAL QUARTER IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH A
LEGEND
</LEGEND>
<MULTIPLIER> 1

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               SEP-30-2000
<CASH>                                       2,191,658
<INT-BEARING-DEPOSITS>                       1,494,893
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,309,631
<INVESTMENTS-CARRYING>                       5,772,169
<INVESTMENTS-MARKET>                         5,850,415
<LOANS>                                    123,053,364
<ALLOWANCE>                                    164,881
<TOTAL-ASSETS>                             136,627,433
<DEPOSITS>                                  79,733,866
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            908,348
<LONG-TERM>                                 30,000,000
<PREFERRED-MANDATORY>                           20,476
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                  25,964,723
<TOTAL-LIABILITIES-AND-EQUITY>             136,627,433
<INTEREST-LOAN>                              8,994,002
<INTEREST-INVEST>                              569,603
<INTEREST-OTHER>                               160,355
<INTEREST-TOTAL>                             9,723,960
<INTEREST-DEPOSIT>                           3,699,487
<INTEREST-EXPENSE>                           5,344,996
<INTEREST-INCOME-NET>                        4,378,964
<LOAN-LOSSES>                                   36,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,248,424
<INCOME-PRETAX>                              2,143,406
<INCOME-PRE-EXTRAORDINARY>                   1,393,647
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,393,647
<EPS-BASIC>                                        .99
<EPS-DILUTED>                                      .98
<YIELD-ACTUAL>                                    2.49
<LOANS-NON>                                          0
<LOANS-PAST>                                   582,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                997,000
<ALLOWANCE-OPEN>                               133,493
<CHARGE-OFFS>                                    4,862
<RECOVERIES>                                       250
<ALLOWANCE-CLOSE>                              164,881
<ALLOWANCE-DOMESTIC>                           164,881
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         19,000