<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-30-2001
<PERIOD-END>                                   DEC-31-2000
<CASH>                                          26,354,502
<INT-BEARING-DEPOSITS>                             440,382
<FED-FUNDS-SOLD>                                 2,097,006
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                    188,186,730
<INVESTMENTS-CARRYING>                           2,794,909
<INVESTMENTS-MARKET>                             2,789,663
<LOANS>                                        725,612,067
<ALLOWANCE>                                      4,294,789
<TOTAL-ASSETS>                                 987,540,777
<DEPOSITS>                                     692,850,745
<SHORT-TERM>                                     5,400,000
<LIABILITIES-OTHER>                              6,903,819
<LONG-TERM>                                    173,000,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            72,063
<OTHER-SE>                                     109,314,150
<TOTAL-LIABILITIES-AND-EQUITY>                 987,540,777
<INTEREST-LOAN>                                 14,244,031
<INTEREST-INVEST>                                3,282,591
<INTEREST-OTHER>                                   289,727
<INTEREST-TOTAL>                                17,816,349
<INTEREST-DEPOSIT>                               7,603,335
<INTEREST-EXPENSE>                              10,338,221
<INTEREST-INCOME-NET>                            7,478,128
<LOAN-LOSSES>                                      228,000
<SECURITIES-GAINS>                                 (22,714)
<EXPENSE-OTHER>                                  5,752,054
<INCOME-PRETAX>                                  2,580,922
<INCOME-PRE-EXTRAORDINARY>                       2,580,922
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     1,685,045
<EPS-BASIC>                                            .25
<EPS-DILUTED>                                          .25
<YIELD-ACTUAL>                                        2.38
<LOANS-NON>                                        791,478
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 4,082,265
<CHARGE-OFFS>                                       16,253
<RECOVERIES>                                           777
<ALLOWANCE-CLOSE>                                4,294,789
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                          4,294,789



</TABLE>