<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                         1
       
<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              JUL-31-1997
<PERIOD-END>                                   JUL-31-1997
<CASH>                                           5,399,466
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                    105,592,249
<INVESTMENTS-CARRYING>                         148,480,344
<INVESTMENTS-MARKET>                           144,278,637
<LOANS>                                        227,975,057
<ALLOWANCE>                                      3,411,462
<TOTAL-ASSETS>                                 505,882,200
<DEPOSITS>                                     370,787,103
<SHORT-TERM>                                    63,603,825
<LIABILITIES-OTHER>                              9,682,137
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         6,441,504
<OTHER-SE>                                      55,367,631
<TOTAL-LIABILITIES-AND-EQUITY>                 505,882,200
<INTEREST-LOAN>                                 16,841,183
<INTEREST-INVEST>                               16,000,942
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                32,842,125
<INTEREST-DEPOSIT>                              13,987,512
<INTEREST-EXPENSE>                              17,318,054
<INTEREST-INCOME-NET>                           15,524,071
<LOAN-LOSSES>                                      961,217
<SECURITIES-GAINS>                               4,787,866
<EXPENSE-OTHER>                                 13,154,566
<INCOME-PRETAX>                                  9,509,888
<INCOME-PRE-EXTRAORDINARY>                       6,061,011
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     6,061,011
<EPS-PRIMARY>                                         1.20
<EPS-DILUTED>                                         1.19
<YIELD-ACTUAL>                                        3.31
<LOANS-NON>                                      3,810,869
<LOANS-PAST>                                     3,810,869
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 3,073,158
<CHARGE-OFFS>                                      699,263
<RECOVERIES>                                        76,349
<ALLOWANCE-CLOSE>                                3,411,462
<ALLOWANCE-DOMESTIC>                             3,411,462
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>