WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>





                                   EXHIBIT 27

                             Financial Data Schedule








<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE FOURTH
QUARTER/FISCAL  YEAR END 10-K AND IS  QUALIFIED  IN ITS ENTIRETY BY REFERENCE TO
SUCH 10-K

</LEGEND>

<S>                                           <C>
<PERIOD-TYPE>                                 YEAR
<FISCAL-YEAR-END>                             SEP-30-1999
<PERIOD-END>                                  SEP-30-1999
<CASH>                                           21,123,217
<INT-BEARING-DEPOSITS>                            1,231,516
<FED-FUNDS-SOLD>                                  2,167,856
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                     231,043,612
<INVESTMENTS-CARRYING>                            3,160,432
<INVESTMENTS-MARKET>                              3,173,863
<LOANS>                                         739,793,403
<ALLOWANCE>                                       2,483,625
<TOTAL-ASSETS>                                1,041,641,340
<DEPOSITS>                                      720,401,112
<SHORT-TERM>                                              0
<LIABILITIES-OTHER>                              14,754,178
<LONG-TERM>                                     197,000,000
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                             79,084
<OTHER-SE>                                      109,506,379
<TOTAL-LIABILITIES-AND-EQUITY>                1,041,641,340
<INTEREST-LOAN>                                  56,289,718
<INTEREST-INVEST>                                13,735,320
<INTEREST-OTHER>                                  1,665,802
<INTEREST-TOTAL>                                 71,690,840
<INTEREST-DEPOSIT>                               28,974,568
<INTEREST-EXPENSE>                               38,381,606
<INTEREST-INCOME-NET>                            33,309,234
<LOAN-LOSSES>                                       932,000
<SECURITIES-GAINS>                                  217,180
<EXPENSE-OTHER>                                  21,074,001
<INCOME-PRETAX>                                  14,820,596
<INCOME-PRE-EXTRAORDINARY>                       14,820,596
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                      9,155,193
<EPS-BASIC>                                          1.21
<EPS-DILUTED>                                          1.18
<YIELD-ACTUAL>                                         2.73
<LOANS-NON>                                       3,314,641
<LOANS-PAST>                                              0
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                  1,949,677
<CHARGE-OFFS>                                       398,052
<RECOVERIES>                                              0
<ALLOWANCE-CLOSE>                                 2,483,625
<ALLOWANCE-DOMESTIC>                                      0
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                           2,483,625




</TABLE>