<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1997             SEP-30-1996
<PERIOD-START>                             OCT-01-1996             OCT-01-1995
<PERIOD-END>                               JUN-30-1997             JUN-30-1996
<CASH>                                         896,972                 891,172
<INT-BEARING-DEPOSITS>                       2,203,208               4,918,297
<FED-FUNDS-SOLD>                               900,000               1,500,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 14,437,950              14,543,743
<INVESTMENTS-CARRYING>                         941,953               3,075,739
<INVESTMENTS-MARKET>                           990,678               3,134,000
<LOANS>                                     48,165,768              43,771,828
<ALLOWANCE>                                    242,860                 219,352
<TOTAL-ASSETS>                              63,479,363              70,487,557
<DEPOSITS>                                  42,451,095              41,672,430
<SHORT-TERM>                                         0               3,000,000
<LIABILITIES-OTHER>                          1,298,375               1,108,976
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                    18,581,799              17,423,417
<OTHER-SE>                                   7,148,194               7,282,734
<TOTAL-LIABILITIES-AND-EQUITY>              69,479,363              70,487,557
<INTEREST-LOAN>                              2,932,001               2,698,034
<INTEREST-INVEST>                              745,693                 634,972
<INTEREST-OTHER>                               168,340                 756,499
<INTEREST-TOTAL>                             3,846,034               3,589,505
<INTEREST-DEPOSIT>                           1,465,630               1,694,380
<INTEREST-EXPENSE>                           1,466,527               1,698,900
<INTEREST-INCOME-NET>                        2,379,507               1,890,605
<LOAN-LOSSES>                                   18,000                  18,528
<SECURITIES-GAINS>                             237,000                       0
<EXPENSE-OTHER>                              1,285,177                 920,817
<INCOME-PRETAX>                              1,368,922               1,014,867
<INCOME-PRE-EXTRAORDINARY>                   1,368,922               1,014,867
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   858,831                 642,247
<EPS-PRIMARY>                                      .50                     .38
<EPS-DILUTED>                                        0                       0
<YIELD-ACTUAL>                                    7.59                    7.33
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                 30,314                       0
<ALLOWANCE-OPEN>                               224,860                 207,472
<CHARGE-OFFS>                                        0                   6,648
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                              242,860                 219,352
<ALLOWANCE-DOMESTIC>                           242,860                 219,352
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>