<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                         1     

       
<S>                                               <C>
<PERIOD-TYPE>                                     9-MOS
<FISCAL-YEAR-END>                                 JUL-31-1998
<PERIOD-END>                                      APR-30-1998
<CASH>                                              8,983,447
<INT-BEARING-DEPOSITS>                                      0
<FED-FUNDS-SOLD>                                            0
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                        90,760,577
<INVESTMENTS-CARRYING>                            201,458,036
<INVESTMENTS-MARKET>                              202,206,746
<LOANS>                                           282,479,071
<ALLOWANCE>                                         4,159,560
<TOTAL-ASSETS>                                    619,638,312
<DEPOSITS>                                        452,483,165
<SHORT-TERM>                                       90,729,596
<LIABILITIES-OTHER>                                16,131,151
<LONG-TERM>                                                 0
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                           12,883,008
<OTHER-SE>                                         47,411,392
<TOTAL-LIABILITIES-AND-EQUITY>                    619,638,312
<INTEREST-LOAN>                                     5,769,927
<INTEREST-INVEST>                                   3,875,069
<INTEREST-OTHER>                                            0
<INTEREST-TOTAL>                                    9,644,996
<INTEREST-DEPOSIT>                                  3,948,310
<INTEREST-EXPENSE>                                  5,083,960
<INTEREST-INCOME-NET>                               4,561,036
<LOAN-LOSSES>                                         449,401
<SECURITIES-GAINS>                                  2,629,075
<EXPENSE-OTHER>                                     3,132,365
<INCOME-PRETAX>                                     4,565,938
<INCOME-PRE-EXTRAORDINARY>                          4,565,938
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                        3,041,468
<EPS-PRIMARY>                                             .83
<EPS-DILUTED>                                             .75
<YIELD-ACTUAL>                                           3.04
<LOANS-NON>                                         4,265,090
<LOANS-PAST>                                        4,265,090
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                    3,442,770
<CHARGE-OFFS>                                          25,330
<RECOVERIES>                                          184,441
<ALLOWANCE-CLOSE>                                   4,159,560
<ALLOWANCE-DOMESTIC>                                        0
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                     0
        


</TABLE>