<TABLE> <S> <C>

<ARTICLE>                          9

<S>                                     <C>
<PERIOD-TYPE>                                                 Year
<FISCAL-YEAR-END>                                          SEP-30-1999
<PERIOD-END>                                               SEP-30-1999
<CASH>                                                   1,713,726
<INT-BEARING-DEPOSITS>                                   2,654,775
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                             20,945,608
<INVESTMENTS-CARRYING>                                   3,104,695
<INVESTMENTS-MARKET>                                     3,085,688
<LOANS>                                                 63,053,818
<ALLOWANCE>                                                239,166
<TOTAL-ASSETS>                                          94,210,288
<DEPOSITS>                                              75,310,941
<SHORT-TERM>                                                     0
<LIABILITIES-OTHER>                                      1,045,200
<LONG-TERM>                                             11,500,000
<COMMON>                                                     1,745
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<OTHER-SE>                                               6,352,402
<TOTAL-LIABILITIES-AND-EQUITY>                          94,210,288
<INTEREST-LOAN>                                          4,907,789
<INTEREST-INVEST>                                        1,269,369
<INTEREST-OTHER>                                           198,249
<INTEREST-TOTAL>                                         6,375,407
<INTEREST-DEPOSIT>                                       3,535,346
<INTEREST-EXPENSE>                                       4,082,689
<INTEREST-INCOME-NET>                                    2,292,718
<LOAN-LOSSES>                                               19,000
<SECURITIES-GAINS>                                           3,125
<EXPENSE-OTHER>                                          5,212,483
<INCOME-PRETAX>                                            708,405
<INCOME-PRE-EXTRAORDINARY>                                 452,327
<EXTRAORDINARY>                                                  0
<CHANGES>                                                   32,964
<NET-INCOME>                                               419,363
<EPS-BASIC>                                                   2.81
<EPS-DILUTED>                                                 2.72
<YIELD-ACTUAL>                                                2.62
<LOANS-NON>                                                      0
<LOANS-PAST>                                               488,156
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                            488,156
<ALLOWANCE-OPEN>                                           228,325
<CHARGE-OFFS>                                                9,957
<RECOVERIES>                                                 1,798
<ALLOWANCE-CLOSE>                                          239,166
<ALLOWANCE-DOMESTIC>                                       239,166
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0


</TABLE>