<TABLE> <S> <C>

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

<S>                                          <C>
<PERIOD-TYPE>                                        3-MOS
<FISCAL-YEAR-END>                              SEP-30-2000
<PERIOD-END>                                   DEC-31-1999
<CASH>                                          32,491,201
<INT-BEARING-DEPOSITS>                           3,308,696
<FED-FUNDS-SOLD>                                 5,591,210
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                    217,209,028
<INVESTMENTS-CARRYING>                           3,016,152
<INVESTMENTS-MARKET>                             3,013,806
<LOANS>                                        740,517,583
<ALLOWANCE>                                      2,930,029
<TOTAL-ASSETS>                               1,044,873,163
<DEPOSITS>                                     718,237,553
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                              6,743,210
<LONG-TERM>                                    213,000,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            76,269
<OTHER-SE>                                     106,816,131
<TOTAL-LIABILITIES-AND-EQUITY>               1,044,873,163
<INTEREST-LOAN>                                 14,245,591
<INTEREST-INVEST>                                3,605,459
<INTEREST-OTHER>                                   199,397
<INTEREST-TOTAL>                                18,050,447
<INTEREST-DEPOSIT>                               7,023,403
<INTEREST-EXPENSE>                               9,813,361
<INTEREST-INCOME-NET>                            8,237,086
<LOAN-LOSSES>                                      108,000
<SECURITIES-GAINS>                                   6,836
<EXPENSE-OTHER>                                  5,866,101
<INCOME-PRETAX>                                  3,295,361
<INCOME-PRE-EXTRAORDINARY>                       3,295,361
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     2,028,610
<EPS-BASIC>                                            .29
<EPS-DILUTED>                                          .29
<YIELD-ACTUAL>                                        2.68
<LOANS-NON>                                      3,003,435
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 2,483,625
<CHARGE-OFFS>                                        2,414
<RECOVERIES>                                       340,818
<ALLOWANCE-CLOSE>                                2,930,029
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                          2,930,029



</TABLE>