<TABLE> <S> <C>

<ARTICLE>             9
<LEGEND>
      This schedule contains summary financial information extracted from the
consolidated Balance Sheet as of September 30, 1998 and the consolidated
statement of income for the year ended September 30, 1998 for the Company 
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       1,705,345
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             5,581,233
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 16,923,523
<INVESTMENTS-CARRYING>                       7,037,287
<INVESTMENTS-MARKET>                         7,078,556
<LOANS>                                     77,654,939
<ALLOWANCE>                                    527,437
<TOTAL-ASSETS>                             112,792,626
<DEPOSITS>                                  81,518,767
<SHORT-TERM>                                 4,248,064
<LIABILITIES-OTHER>                             52,815
<LONG-TERM>                                  4,431,290
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,547
<OTHER-SE>                                  22,226,943
<TOTAL-LIABILITIES-AND-EQUITY>             112,792,626
<INTEREST-LOAN>                              5,316,011
<INTEREST-INVEST>                            1,666,376
<INTEREST-OTHER>                               223,391
<INTEREST-TOTAL>                             7,205,778
<INTEREST-DEPOSIT>                           2,944,707
<INTEREST-EXPENSE>                           3,139,501
<INTEREST-INCOME-NET>                        4,066,277
<LOAN-LOSSES>                                   26,000
<SECURITIES-GAINS>                             840,208
<EXPENSE-OTHER>                              3,176,560
<INCOME-PRETAX>                              1,914,376
<INCOME-PRE-EXTRAORDINARY>                   1,914,376
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,185,076
<EPS-PRIMARY>                                      .86
<EPS-DILUTED>                                      .84
<YIELD-ACTUAL>                                    7.26
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               501,437
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              527,437
<ALLOWANCE-DOMESTIC>                           527,437
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         78,463
        

</TABLE>