<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>                                  9-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                           3,928,791
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                31,300,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                    152,195,925
<INVESTMENTS-CARRYING>                         197,746,050
<INVESTMENTS-MARKET>                           198,712,539
<LOANS>                                        146,680,537
<ALLOWANCE>                                      1,980,743
<TOTAL-ASSETS>                                 544,101,965
<DEPOSITS>                                     434,646,229
<SHORT-TERM>                                    59,675,000
<LIABILITIES-OTHER>                              3,881,099
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         4,182,380
<OTHER-SE>                                      41,717,257
<TOTAL-LIABILITIES-AND-EQUITY>                 544,101,965
<INTEREST-LOAN>                                  8,571,421
<INTEREST-INVEST>                               18,880,651
<INTEREST-OTHER>                                   552,806
<INTEREST-TOTAL>                                28,004,878
<INTEREST-DEPOSIT>                              14,537,383
<INTEREST-EXPENSE>                              17,528,967
<INTEREST-INCOME-NET>                           10,475,911
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  4,325,114
<INCOME-PRETAX>                                  6,400,623
<INCOME-PRE-EXTRAORDINARY>                       6,400,623
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     4,127,867
<EPS-PRIMARY>                                         1.33
<EPS-DILUTED>                                         1.28
<YIELD-ACTUAL>                                        1.02
<LOANS-NON>                                         67,544
<LOANS-PAST>                                     1,036,339
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                  5,898,000
<ALLOWANCE-OPEN>                                 2,357,396
<CHARGE-OFFS>                                      376,653
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                1,980,743
<ALLOWANCE-DOMESTIC>                             1,980,743
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>