[ARTICLE] 9

                             
[PERIOD-TYPE]                   9-MOS
[FISCAL-YEAR-END]                          SEP-30-1998
[PERIOD-END]                               JUN-30-1998
[CASH]                                         6301597
[INT-BEARING-DEPOSITS]                               0
[FED-FUNDS-SOLD]                                     0
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                   66159319
[INVESTMENTS-CARRYING]                               0
[INVESTMENTS-MARKET]                                 0
[LOANS]                                       15720367
[ALLOWANCE]                                      25000
[TOTAL-ASSETS]                                89760675
[DEPOSITS]                                    64108823
[SHORT-TERM]                                   8500000
[LIABILITIES-OTHER]                             574383
[LONG-TERM]                                          0
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                          0
[COMMON]                                          8565
[OTHER-SE]                                    16568904
[TOTAL-LIABILITIES-AND-EQUITY]                89760675
[INTEREST-LOAN]                                 902837
[INTEREST-INVEST]                              3296665
[INTEREST-OTHER]                                211147
[INTEREST-TOTAL]                               4403803
[INTEREST-DEPOSIT]                             2423252
[INTEREST-EXPENSE]                             2730806
[INTEREST-INCOME-NET]                          1672997
[LOAN-LOSSES]                                        0
[SECURITIES-GAINS]                                3760
[EXPENSE-OTHER]                                 690301
[INCOME-PRETAX]                                1014024
[INCOME-PRE-EXTRAORDINARY]                           0
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                    613252
[EPS-PRIMARY]                                      .79
[EPS-DILUTED]                                      .78
[YIELD-ACTUAL]                                       0
[LOANS-NON]                                          0
[LOANS-PAST]                                         0
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                      0
[ALLOWANCE-OPEN]                                 25000
[CHARGE-OFFS]                                        0
[RECOVERIES]                                         0
[ALLOWANCE-CLOSE]                                25000
[ALLOWANCE-DOMESTIC]                             25000
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                          25000