| **Years Ended September30,**                                                                                                               | **2004**            | **2003**                     | **2002**            |
|--------------------------------------------------------------------------------------------------------------------------------------------|---------------------|------------------------------|---------------------|
|                                                                                                                                            |                     |                              |                     |
| **NET  INCOME**                                                                                                                       |                     |                              |                     |
| Net income (loss) applicableto common shares for  basic earnings  per share                                                                | $659,770            | $(1,773,198)                 | $244,406            |
|                                                                                                                                            |                     |                              |                     |
| Net income (loss) applicableto common shares for  diluted earnings  per share                                                              | $659,770            | $(1,773,198)                 | $244,406            |
|                                                                                                                                            |                     |                              |                     |
|                                                                                                                                            |                     |                              |                     |
|                                                                                                                                            |                     |                              |                     |
| **SHARES OUTSTANDING**                                                                                                                     |                     |                              |                     |
| Weighted average sharesfor basic earnings per share                                                                                        | 1,218,913           | 1,219,750                    | 1,219,750           |
|                                                                                                                                            |                     |                              |                     |
| Net effect of dilutivestock options - based on the  treasury stock method using year-end marketprice, if higher than average  market price |    31,506 |       -* |    21,370 |
|                                                                                                                                            |                     |                              |                     |
| Total shares for dilutedearnings per share                                                                                                 | 1,250,419           | 1,219,750                    | 1,241,120           |
|                                                                                                                                            |                     |                              |                     |
|                                                                                                                                            |                     |                              |                     |
| Basic Earnings Per CommonShare                                                                                                             | $.54                | $(1.45)                      | $.20                |
|                                                                                                                                            |                     |                              |                     |
|                                                                                                                                            |                     |                              |                     |
| Diluted Earnings Per CommonShare                                                                                                           | $.53                | $(1.45)                      | $.20                |
|                                                                                                                                            |                     |                              |                     |
|                                                                                                                                            |                     |                              |                     |
| * Net effect of stock options was antidilutive  for the period.                                                                            |
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