<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> SEP-30-1994 <PERIOD-END> SEP-30-1994 <CASH> 15,546,186 <INT-BEARING-DEPOSITS> 9,848,713 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 13,587 <INVESTMENTS-CARRYING> 227,554,248 <INVESTMENTS-MARKET> 218,193,000 <LOANS> 527,877,336 <ALLOWANCE> 2,725,586 <TOTAL-ASSETS> 798,415,541 <DEPOSITS> 678,630,798 <SHORT-TERM> 9,500,000 <LIABILITIES-OTHER> 9,181,607 <LONG-TERM> 9,322,288 <COMMON> 11,869,905 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 79,910,943 <TOTAL-LIABILITIES-AND-EQUITY> 798,415,541 <INTEREST-LOAN> 40,856,491 <INTEREST-INVEST> 12,698,597 <INTEREST-OTHER> 654,196 <INTEREST-TOTAL> 54,209,284 <INTEREST-DEPOSIT> 23,092,632 <INTEREST-EXPENSE> 1,211,924 <INTEREST-INCOME-NET> 29,904,728 <LOAN-LOSSES> 162,634 <SECURITIES-GAINS> 729,075 <EXPENSE-OTHER> 26,424,168 <INCOME-PRETAX> 17,098,402 <INCOME-PRE-EXTRAORDINARY> 17,098,402 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 11,048,402 <EPS-PRIMARY> 3.02 <EPS-DILUTED> 2.99 <YIELD-ACTUAL> 3.86 <LOANS-NON> 725,749 <LOANS-PAST> 0 <LOANS-TROUBLED> 279,343 <LOANS-PROBLEM> 3,387,660 <ALLOWANCE-OPEN> 2,692,142 <CHARGE-OFFS> 129,190 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 2,725,586 <ALLOWANCE-DOMESTIC> 2,725,586 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0