<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE SECOND
QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q.
</LEGEND>

<S>                                          <C>
<PERIOD-TYPE>                                        6-MOS
<FISCAL-YEAR-END>                              SEP-30-2000
<PERIOD-END>                                   MAR-31-2000
<CASH>                                          26,042,691
<INT-BEARING-DEPOSITS>                           1,222,284
<FED-FUNDS-SOLD>                                 4,092,516
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                    245,541,874
<INVESTMENTS-CARRYING>                           2,960,439
<INVESTMENTS-MARKET>                             2,956,185
<LOANS>                                        737,029,357
<ALLOWANCE>                                      2,982,578
<TOTAL-ASSETS>                               1,060,767,550
<DEPOSITS>                                     709,303,193
<SHORT-TERM>                                     1,000,000
<LIABILITIES-OTHER>                             19,673,213
<LONG-TERM>                                    223,000,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            75,130
<OTHER-SE>                                     107,716,014
<TOTAL-LIABILITIES-AND-EQUITY>               1,060,767,550
<INTEREST-LOAN>                                 28,529,511
<INTEREST-INVEST>                                7,341,963
<INTEREST-OTHER>                                   320,150
<INTEREST-TOTAL>                                36,191,624
<INTEREST-DEPOSIT>                              14,059,877
<INTEREST-EXPENSE>                              20,051,516
<INTEREST-INCOME-NET>                           16,140,108
<LOAN-LOSSES>                                      308,000
<SECURITIES-GAINS>                                   6,836
<EXPENSE-OTHER>                                 11,436,747
<INCOME-PRETAX>                                  6,353,750
<INCOME-PRE-EXTRAORDINARY>                       6,353,750
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     3,902,751
<EPS-BASIC>                                            .57
<EPS-DILUTED>                                          .57
<YIELD-ACTUAL>                                        2.59
<LOANS-NON>                                        986,748
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 2,483,625
<CHARGE-OFFS>                                      155,716
<RECOVERIES>                                       346,669
<ALLOWANCE-CLOSE>                                2,982,578
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                          2,982,578



</TABLE>