| **Years Ended September  30,**                                                                                                             | **2006**            | **2005**                     | **2004**            |
|--------------------------------------------------------------------------------------------------------------------------------------------|---------------------|------------------------------|---------------------|
|                                                                                                                                            |                     |                              |                     |
| **NET  INCOME**                                                                                                                       |                     |                              |                     |
| Net income (loss) applicable  to common shares for  basic earnings  per share                                                              | $803,613            | $(1,573,772)                 | $659,770            |
|                                                                                                                                            |                     |                              |                     |
| Net income (loss) applicable  to common shares for  diluted earnings  per share                                                            | $803,613            | $(1,573,772)                 | $659,770            |
|                                                                                                                                            |                     |                              |                     |
|                                                                                                                                            |                     |                              |                     |
|                                                                                                                                            |                     |                              |                     |
| **SHARES OUTSTANDING**                                                                                                                     |                     |                              |                     |
| Weighted average shares  for basic earnings per share                                                                                      | 1,211,245           | 1,211,629                    | 1,218,913           |
|                                                                                                                                            |                     |                              |                     |
| Net effect of dilutivestock options - based on the  treasury stock method using year-end marketprice, if higher than average  market price |    34,937 |       -* |    31,506 |
|                                                                                                                                            |                     |                              |                     |
| Total shares for diluted  earnings per share                                                                                               | 1,246,182           | 1,211,629                    | 1,250,419           |
|                                                                                                                                            |                     |                              |                     |
|                                                                                                                                            |                     |                              |                     |
| Basic Earnings Per Common  Share                                                                                                           | $.66                | $(1.30)                      | $.54                |
|                                                                                                                                            |                     |                              |                     |
|                                                                                                                                            |                     |                              |                     |
| Diluted Earnings Per Common  Share                                                                                                         | $.64                | $(1.30)                      | $.53                |
|                                                                                                                                            |                     |                              |                     |
|                                                                                                                                            |                     |                              |                     |
| * Net effect of stock options   was antidilutive  for the period.                                                                          |
|                                                                                                                                            |                     |                              |                     |