[ARTICLE] 9

                             
[PERIOD-TYPE]                   9-MOS
[FISCAL-YEAR-END]                          SEP-30-1999
[PERIOD-END]                               JUN-30-1999
[CASH]                                         133,257
[INT-BEARING-DEPOSITS]                       3,902,454
[FED-FUNDS-SOLD]                                     0
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                 76,864,231
[INVESTMENTS-CARRYING]                               0
[INVESTMENTS-MARKET]                                 0
[LOANS]                                     16,055,594
[ALLOWANCE]                                     30,000
[TOTAL-ASSETS]                              99,163,151
[DEPOSITS]                                  68,098,965
[SHORT-TERM]                                         0
[LIABILITIES-OTHER]                            541,322
[LONG-TERM]                                 15,000,000
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                          0
[COMMON]                                         8,565
[OTHER-SE]                                  15,514,299
[TOTAL-LIABILITIES-AND-EQUITY]              99,163,151
[INTEREST-LOAN]                                911,841
[INTEREST-INVEST]                            3,601,393
[INTEREST-OTHER]                               308,510
[INTEREST-TOTAL]                             4,818,744
[INTEREST-DEPOSIT]                           2,495,161
[INTEREST-EXPENSE]                             626,082
[INTEREST-INCOME-NET]                        1,697,501
[LOAN-LOSSES]                                    5,000
[SECURITIES-GAINS]                             106,287
[EXPENSE-OTHER]                                706,572
[INCOME-PRETAX]                              1,118,023
[INCOME-PRE-EXTRAORDINARY]                           0
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                   677,876
[EPS-BASIC]                                      .89
[EPS-DILUTED]                                      .89
[YIELD-ACTUAL]                                       0
[LOANS-NON]                                          0
[LOANS-PAST]                                         0
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                      0
[ALLOWANCE-OPEN]                                25,000
[CHARGE-OFFS]                                        0
[RECOVERIES]                                         0
[ALLOWANCE-CLOSE]                               30,000
[ALLOWANCE-DOMESTIC]                            30,000
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                         30,000