<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, 2000 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-30-2000
<PERIOD-END>                                         SEP-30-2000
<CASH>                                                   449,960
<INT-BEARING-DEPOSITS>                                   771,082
<FED-FUNDS-SOLD>                                         770,000
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                            1,992,200
<INVESTMENTS-CARRYING>                                15,243,135
<INVESTMENTS-MARKET>                                  15,088,115
<LOANS>                                              125,877,049
<ALLOWANCE>                                              758,333
<TOTAL-ASSETS>                                       149,130,366
<DEPOSITS>                                            94,127,537
<SHORT-TERM>                                          11,100,000
<LIABILITIES-OTHER>                                    2,138,484
<LONG-TERM>                                           28,000,000
<COMMON>                                                  16,493
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<OTHER-SE>                                            13,747,852
<TOTAL-LIABILITIES-AND-EQUITY>                       149,130,366
<INTEREST-LOAN>                                        9,776,440
<INTEREST-INVEST>                                      1,213,390
<INTEREST-OTHER>                                         196,139
<INTEREST-TOTAL>                                      11,185,969
<INTEREST-DEPOSIT>                                     4,551,694
<INTEREST-EXPENSE>                                     6,561,551
<INTEREST-INCOME-NET>                                  4,624,418
<LOAN-LOSSES>                                             99,000
<SECURITIES-GAINS>                                             0
<EXPENSE-OTHER>                                        2,813,583
<INCOME-PRETAX>                                        2,163,002
<INCOME-PRE-EXTRAORDINARY>                             1,376,363
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                           1,376,363
<EPS-BASIC>                                               1.36
<EPS-DILUTED>                                               1.30
<YIELD-ACTUAL>                                              7.90
<LOANS-NON>                                            1,100,582
<LOANS-PAST>                                             186,647
<LOANS-TROUBLED>                                          23,356
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                         752,650
<CHARGE-OFFS>                                             93,317
<RECOVERIES>                                                   0
<ALLOWANCE-CLOSE>                                        758,333
<ALLOWANCE-DOMESTIC>                                           0
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                  758,333





</TABLE>