<ARTICLE> 9
<LEGEND>
THE 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>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               JUN-30-2000
<CASH>                                       1,594,910
<INT-BEARING-DEPOSITS>                         468,798
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,320,010
<INVESTMENTS-CARRYING>                       6,079,209
<INVESTMENTS-MARKET>                         6,116,368
<LOANS>                                    120,833,495
<ALLOWANCE>                                    155,881
<TOTAL-ASSETS>                             133,099,248
<DEPOSITS>                                  76,544,307
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            810,112
<LONG-TERM>                                 30,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        20,476
<OTHER-SE>                                  25,724,353
<TOTAL-LIABILITIES-AND-EQUITY>             133,099,248
<INTEREST-LOAN>                              6,488,222
<INTEREST-INVEST>                              434,541
<INTEREST-OTHER>                               115,293
<INTEREST-TOTAL>                             7,038,056
<INTEREST-DEPOSIT>                           2,702,045
<INTEREST-EXPENSE>                           3,855,048
<INTEREST-INCOME-NET>                        3,183,008
<LOAN-LOSSES>                                   27,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,648,285
<INCOME-PRETAX>                              1,709,137
<INCOME-PRE-EXTRAORDINARY>                   1,121,378
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,121,378
<EPS-BASIC>                                        .80
<EPS-DILUTED>                                      .79
<YIELD-ACTUAL>                                    3.35
<LOANS-NON>                                          0
<LOANS-PAST>                                   187,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                706,826
<ALLOWANCE-OPEN>                               133,493
<CHARGE-OFFS>                                    4,862
<RECOVERIES>                                       250
<ALLOWANCE-CLOSE>                              155,881
<ALLOWANCE-DOMESTIC>                           140,881
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         15,000