<TABLE> <S> <C>



<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM THE 
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                           1
       
<S>                                      <C>
<PERIOD-TYPE>                                3-MOS
<FISCAL-YEAR-END>                            SEP-30-1998
<PERIOD-END>                                 DEC-31-1997
<CASH>                                         4,624,570
<INT-BEARING-DEPOSITS>                                 0
<FED-FUNDS-SOLD>                               5,000,000     
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                  139,531,464
<INVESTMENTS-CARRYING>                       242,886,416
<INVESTMENTS-MARKET>                         244,291,247
<LOANS>                                      136,310,196
<ALLOWANCE>                                    2,315,403
<TOTAL-ASSETS>                               539,322,032
<DEPOSITS>                                   416,555,821
<SHORT-TERM>                                  73,675,000
<LIABILITIES-OTHER>                            4,888,251
<LONG-TERM>                                            0
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                       4,149,978
<OTHER-SE>                                    40,052,982
<TOTAL-LIABILITIES-AND-EQUITY>               539,322,032
<INTEREST-LOAN>                                2,835,222
<INTEREST-INVEST>                              6,394,320
<INTEREST-OTHER>                                 158,510
<INTEREST-TOTAL>                               9,288,052
<INTEREST-DEPOSIT>                             4,775,511
<INTEREST-EXPENSE>                             5,898,881
<INTEREST-INCOME-NET>                          3,389,171
<LOAN-LOSSES>                                          0
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                1,414,761
<INCOME-PRETAX>                                2,090,587
<INCOME-PRE-EXTRAORDINARY>                     2,090,587
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                   1,361,831
<EPS-PRIMARY>                                       0.44<F1>
<EPS-DILUTED>                                       0.42
<YIELD-ACTUAL>                                      1.02
<LOANS-NON>                                    1,716,057
<LOANS-PAST>                                     727,147
<LOANS-TROUBLED>                               2,096,000
<LOANS-PROBLEM>                                6,573,000
<ALLOWANCE-OPEN>                               2,357,396
<CHARGE-OFFS>                                     41,993
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                              2,315,403
<ALLOWANCE-DOMESTIC>                           2,315,403
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0
        
<FN>
<F1> BASIC EARNINGS PER SHARE
</FN>

</TABLE>