<TABLE> <S> <C>


<ARTICLE>                                                9
<MULTIPLIER>                                             1
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-END>                                   JUN-30-1997
<CASH>                                           4,665,138
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                14,200,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     95,479,063
<INVESTMENTS-CARRYING>                         274,954,093
<INVESTMENTS-MARKET>                           273,570,000
<LOANS>                                        119,703,988
<ALLOWANCE>                                      2,357,396
<TOTAL-ASSETS>                                 520,202,599
<DEPOSITS>                                     413,003,415
<SHORT-TERM>                                    60,900,000
<LIABILITIES-OTHER>                              4,434,519
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         4,132,628
<OTHER-SE>                                      37,732,037
<TOTAL-LIABILITIES-AND-EQUITY>                 520,202,599
<INTEREST-LOAN>                                  8,386,290
<INTEREST-INVEST>                               18,100,897
<INTEREST-OTHER>                                   457,044
<INTEREST-TOTAL>                                26,944,231
<INTEREST-DEPOSIT>                              13,836,004
<INTEREST-EXPENSE>                              16,640,328
<INTEREST-INCOME-NET>                           10,303,903
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  4,132,957
<INCOME-PRETAX>                                  6,632,643
<INCOME-PRE-EXTRAORDINARY>                       6,632,643
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     4,241,271
<EPS-PRIMARY>                                        $1.35
<EPS-DILUTED>                                        $1.35
<YIELD-ACTUAL>                                        1.08
<LOANS-NON>                                        721,536
<LOANS-PAST>                                       670,408
<LOANS-TROUBLED>                                 2,110,000
<LOANS-PROBLEM>                                  7,572,000
<ALLOWANCE-OPEN>                                 2,458,777
<CHARGE-OFFS>                                      101,381
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                2,357,396
<ALLOWANCE-DOMESTIC>                             2,357,396
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>