<TABLE> <S> <C>


<ARTICLE>                                            9

<S>                                               <C>
<PERIOD-TYPE>                                     12-Mos
<FISCAL-YEAR-END>                                 Sep-30-2000
<PERIOD-START>                                    Oct-01-1999
<PERIOD-END>                                      Sep-30-2000
<CASH>                                            $41,527,208
<INT-BEARING-DEPOSITS>                              1,544,911
<FED-FUNDS-SOLD>                                    8,000,000
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                       567,492,364
<INVESTMENTS-CARRYING>                            242,287,366
<INVESTMENTS-MARKET>                              242,270,656
<LOANS>                                           547,518,791
<ALLOWANCE>                                        10,300,353
<TOTAL-ASSETS>                                  1,439,849,141
<DEPOSITS>                                        956,355,350
<SHORT-TERM>                                      344,919,718
<LIABILITIES-OTHER>                                34,278,364
<LONG-TERM>                                                 0
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                               19,978
<OTHER-SE>                                        104,275,731
<TOTAL-LIABILITIES-AND-EQUITY>                  1,439,849,141
<INTEREST-LOAN>                                    33,779,905
<INTEREST-INVEST>                                  44,530,688
<INTEREST-OTHER>                                      778,066
<INTEREST-TOTAL>                                   79,088,659
<INTEREST-DEPOSIT>                                 21,679,934
<INTEREST-EXPENSE>                                 36,253,725
<INTEREST-INCOME-NET>                              42,834,934
<LOAN-LOSSES>                                       2,475,000
<SECURITIES-GAINS>                                          0
<EXPENSE-OTHER>                                    19,641,677
<INCOME-PRETAX>                                    26,210,656
<INCOME-PRE-EXTRAORDINARY>                                  0
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                       17,391,784
<EPS-BASIC>                                              0.93
<EPS-DILUTED>                                            0.93
<YIELD-ACTUAL>                                           4.56
<LOANS-NON>                                         5,959,000
<LOANS-PAST>                                        1,520,000
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                    9,108,000
<CHARGE-OFFS>                                       1,408,000
<RECOVERIES>                                          125,000
<ALLOWANCE-CLOSE>                                   9,450,000
<ALLOWANCE-DOMESTIC>                               10,300,000
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                     0



</TABLE>