WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE>                                                           9
<PERIOD START>                                            OCT-01-1998
<PERIOD-TYPE>                                             9-MOS
<FISCAL-YEAR-END>                                         SEP-30-1998
<PERIOD-END>                                              JUN-30-1999
<CASH>                                                       5,669,333
<INT-BEARING-DEPOSITS>                                       1,042,172
<FED-FUNDS-SOLD>                                             1,840,000
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                          0
<INVESTMENTS-CARRYING>                                      14,964,896
<INVESTMENTS-MARKET>                                        14,591,464
<LOANS>                                                    166,995,565
<ALLOWANCE>                                                  1,230,515
<TOTAL-ASSETS>                                             200,039,107
<DEPOSITS>                                                 172,740,283
<SHORT-TERM>                                                 3,000,000
<LIABILITIES-OTHER>                                          2,684,687
<LONG-TERM>                                                  4,600,000
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<COMMON>                                                     7,198,371
<OTHER-SE>                                                   9,815,766
<TOTAL-LIABILITIES-AND-EQUITY>                              17,014,137
<INTEREST-LOAN>                                             10,866,163
<INTEREST-INVEST>                                              719,942
<INTEREST-OTHER>                                               375,895
<INTEREST-TOTAL>                                            11,962,000
<INTEREST-DEPOSIT>                                           5,630,887
<INTEREST-EXPENSE>                                           5,998,505
<INTEREST-INCOME-NET>                                        5,963,495
<LOAN-LOSSES>                                                  509,067
<SECURITIES-GAINS>                                                   0
<EXPENSE-OTHER>                                              5,177,917
<INCOME-PRETAX>                                              2,588,302
<INCOME-PRE-EXTRAORDINARY>                                   2,588,302
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                 1,621,859
<EPS-BASIC>                                                     0.23
<EPS-DILUTED>                                                     0.21
<YIELD-ACTUAL>                                                    4.30
<LOANS-NON>                                                  2,488,705
<LOANS-PAST>                                                         0
<LOANS-TROUBLED>                                                     0
<LOANS-PROBLEM>                                                      0
<ALLOWANCE-OPEN>                                               968,632
<CHARGE-OFFS>                                                  459,326
<RECOVERIES>                                                   212,154
<ALLOWANCE-CLOSE>                                            1,230,515
<ALLOWANCE-DOMESTIC>                                         1,230,515
<ALLOWANCE-FOREIGN>                                                  0
<ALLOWANCE-UNALLOCATED>                                              0

</TABLE>