<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
     The schedule  contains  summary  financial  information  extracted from the
annual report on Form 10-KSB for the fiscal year ended September 30, 1999 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                                                   1

<S>                                     <C>

<PERIOD-TYPE>                                             12-MOS
<FISCAL-YEAR-END>                                    SEP-30-1999
<PERIOD-END>                                         SEP-30-1999
<CASH>                                                $1,064,794
<INT-BEARING-DEPOSITS>                                   375,201
<FED-FUNDS-SOLD>                                               0
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                            1,999,800
<INVESTMENTS-CARRYING>                                17,917,558
<INVESTMENTS-MARKET>                                  17,810,716
<LOANS>                                              113,646,056
<ALLOWANCE>                                              752,650
<TOTAL-ASSETS>                                       138,131,340
<DEPOSITS>                                            95,452,864
<SHORT-TERM>                                                   0
<LIABILITIES-OTHER>                                    2,071,868
<LONG-TERM>                                           27,500,000
<COMMON>                                                  16,493
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<OTHER-SE>                                            13,090,115
<TOTAL-LIABILITIES-AND-EQUITY>                       138,131,340
<INTEREST-LOAN>                                        8,550,856
<INTEREST-INVEST>                                      1,171,965
<INTEREST-OTHER>                                         378,469
<INTEREST-TOTAL>                                      10,101,290
<INTEREST-DEPOSIT>                                     4,389,547
<INTEREST-EXPENSE>                                     5,989,180
<INTEREST-INCOME-NET>                                  4,112,110
<LOAN-LOSSES>                                             66,000
<SECURITIES-GAINS>                                             0
<EXPENSE-OTHER>                                        2,568,932
<INCOME-PRETAX>                                        1,831,395
<INCOME-PRE-EXTRAORDINARY>                             1,143,088
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                           1,143,088
<EPS-BASIC>                                               1.13
<EPS-DILUTED>                                               1.07
<YIELD-ACTUAL>                                              7.63
<LOANS-NON>                                            1,311,164
<LOANS-PAST>                                           1,117,929
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                         655,745
<CHARGE-OFFS>                                             52,929
<RECOVERIES>                                                   0
<ALLOWANCE-CLOSE>                                        752,650
<ALLOWANCE-DOMESTIC>                                           0
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                  752,650





</TABLE>