<ARTICLE>                     9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE THIRD
QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q.
</LEGEND>

                               

<PERIOD-TYPE>                             9-MOS
<FISCAL-YEAR-END>                   SEP-30-1999
<PERIOD-END>                        JUN-30-1999
<CASH>                               23,694,978
<INT-BEARING-DEPOSITS>                8,648,716
<FED-FUNDS-SOLD>                     17,140,774
<TRADING-ASSETS>                              0
<INVESTMENTS-HELD-FOR-SALE>         212,375,721
<INVESTMENTS-CARRYING>                3,513,049
<INVESTMENTS-MARKET>                  3,531,832
<LOANS>                             729,871,176
<ALLOWANCE>                           2,615,677
<TOTAL-ASSETS>                    1,035,453,468
<DEPOSITS>                          726,829,006
<SHORT-TERM>                                  0
<LIABILITIES-OTHER>                  13,103,907
<LONG-TERM>                         187,000,000
<PREFERRED-MANDATORY>                         0
<PREFERRED>                                   0
<COMMON>                                 79,084
<OTHER-SE>                          108,441,471
<TOTAL-LIABILITIES-AND-EQUITY>    1,035,453,468
<INTEREST-LOAN>                      42,191,692
<INTEREST-INVEST>                    10,319,952
<INTEREST-OTHER>                      1,254,233
<INTEREST-TOTAL>                     53,765,877
<INTEREST-DEPOSIT>                   21,895,479
<INTEREST-EXPENSE>                   28,689,272
<INTEREST-INCOME-NET>                25,076,605
<LOAN-LOSSES>                           669,000
<SECURITIES-GAINS>                      217,179
<EXPENSE-OTHER>                      15,789,324
<INCOME-PRETAX>                      11,177,817
<INCOME-PRE-EXTRAORDINARY>           11,177,817
<EXTRAORDINARY>                               0
<CHANGES>                                     0
<NET-INCOME>                          6,639,623
<EPS-BASIC>                              0.86
<EPS-DILUTED>                              0.83
<YIELD-ACTUAL>                             3.40
<LOANS-NON>                           3,905,521
<LOANS-PAST>                                  0
<LOANS-TROUBLED>                              0
<LOANS-PROBLEM>                               0
<ALLOWANCE-OPEN>                      1,949,677
<CHARGE-OFFS>                             3,000
<RECOVERIES>                                  0
<ALLOWANCE-CLOSE>                     2,615,677
<ALLOWANCE-DOMESTIC>                          0
<ALLOWANCE-FOREIGN>                           0
<ALLOWANCE-UNALLOCATED>               2,615,677