<TABLE> <S> <C>


<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

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                                 SEP-30-1999
<PERIOD-START>                                    OCT-01-1998
<PERIOD-END>                                      JUN-30-1999
<CASH>                                              1,647,359
<INT-BEARING-DEPOSITS>                                965,146
<FED-FUNDS-SOLD>                                            0
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                         2,129,711
<INVESTMENTS-CARRYING>                              7,242,674
<INVESTMENTS-MARKET>                                7,383,656
<LOANS>                                           109,791,385
<ALLOWANCE>                                           133,968
<TOTAL-ASSETS>                                    124,215,926
<DEPOSITS>                                         77,777,924
<SHORT-TERM>                                       10,000,000
<LIABILITIES-OTHER>                                   803,624
<LONG-TERM>                                        10,000,000
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                               20,476
<OTHER-SE>                                         25,613,902
<TOTAL-LIABILITIES-AND-EQUITY>                    124,215,926
<INTEREST-LOAN>                                     5,836,706
<INTEREST-INVEST>                                     620,926
<INTEREST-OTHER>                                       49,880
<INTEREST-TOTAL>                                    6,507,512
<INTEREST-DEPOSIT>                                  2,757,285
<INTEREST-EXPENSE>                                  3,305,175
<INTEREST-INCOME-NET>                               3,202,337
<LOAN-LOSSES>                                          21,000
<SECURITIES-GAINS>                                          0
<EXPENSE-OTHER>                                     1,535,254
<INCOME-PRETAX>                                     2,009,729
<INCOME-PRE-EXTRAORDINARY>                          1,305,079
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                        1,305,079
<EPS-BASIC>                                             .86
<EPS-DILUTED>                                             .85
<YIELD-ACTUAL>                                           3.68
<LOANS-NON>                                                 0
<LOANS-PAST>                                          301,581
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                      118,360
<CHARGE-OFFS>                                           5,392
<RECOVERIES>                                                0
<ALLOWANCE-CLOSE>                                     133,968
<ALLOWANCE-DOMESTIC>                                  133,968
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                15,000


</TABLE>