<TABLE> <S> <C>

<ARTICLE>                                             9
       
<S>                                        <C>                      <C>
<PERIOD-TYPE>                              3-MOS                    9-MOS
<FISCAL-YEAR-END>                          SEP-30-1998              SEP-30-1998
<PERIOD-END>                               JUN-30-1998              JUN-30-1998
<CASH>                                     4,636,361                4,636,361
<INT-BEARING-DEPOSITS>                     2,616,600                2,616,600
<FED-FUNDS-SOLD>                                   0                        0
<TRADING-ASSETS>                                   0                        0
<INVESTMENTS-HELD-FOR-SALE>                        0                        0
<INVESTMENTS-CARRYING>                     9,760,688                9,760,688
<INVESTMENTS-MARKET>                       9,923,000                9,923,000
<LOANS>                                  155,013,333              155,013,333
<ALLOWANCE>                                1,070,465                1,070,465
<TOTAL-ASSETS>                           180,806,178              180,806,178
<DEPOSITS>                               152,001,932              152,001,932
<SHORT-TERM>                               4,600,000                4,600,000
<LIABILITIES-OTHER>                        2,966,014                2,966,014
<LONG-TERM>                                6,500,000                6,500,000
<PREFERRED-MANDATORY>                              0                        0
<PREFERRED>                                        0                        0
<COMMON>                                   4,798,972                4,798,972
<OTHER-SE>                                 9,939,260                9,939,260
<TOTAL-LIABILITIES-AND-EQUITY>           180,806,178              180,806,178
<INTEREST-LOAN>                            3,691,462               10,523,168
<INTEREST-INVEST>                            172,340                  529,443
<INTEREST-OTHER>                              22,538                   42,892
<INTEREST-TOTAL>                           3,886,340               11,095,503
<INTEREST-DEPOSIT>                         1,810,798                5,136,605
<INTEREST-EXPENSE>                         2,020,993                5,798,494
<INTEREST-INCOME-NET>                      1,865,347                5,297,009
<LOAN-LOSSES>                                  1,680                    4,987
<SECURITIES-GAINS>                                 0                        0
<EXPENSE-OTHER>                            1,560,604                4,348,197
<INCOME-PRETAX>                              311,228                  873,493
<INCOME-PRE-EXTRAORDINARY>                   529,936                1,472,184
<EXTRAORDINARY>                                    0                        0
<CHANGES>                                          0                        0
<NET-INCOME>                              37,095,520              102,110,632
<EPS-PRIMARY>                                   0.11                     0.31
<EPS-DILUTED>                                   0.10                     0.29
<YIELD-ACTUAL>                                  4.43                     4.19
<LOANS-NON>                                2,638,040                2,638,040
<LOANS-PAST>                                       0                        0
<LOANS-TROUBLED>                                   0                        0
<LOANS-PROBLEM>                                    0                        0
<ALLOWANCE-OPEN>                           1,012,322                1,012,322
<CHARGE-OFFS>                                 97,923                   97,923
<RECOVERIES>                                 151,079                  151,079
<ALLOWANCE-CLOSE>                          1,070,465                1,070,465
<ALLOWANCE-DOMESTIC>                       1,070,465                1,070,465
<ALLOWANCE-FOREIGN>                                0                        0
<ALLOWANCE-UNALLOCATED>                    1,070,465                1,070,465
        

</TABLE>