<TABLE> <S> <C>


<ARTICLE>                                            9
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-START>                                 OCT-01-1997
<PERIOD-END>                                   JUN-30-1998
<CASH>                                           3,863,967
<INT-BEARING-DEPOSITS>                           7,646,578
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     31,499,395
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                        220,241,218
<ALLOWANCE>                                      3,287,322
<TOTAL-ASSETS>                                 269,066,118
<DEPOSITS>                                     199,068,893
<SHORT-TERM>                                     7,248,672
<LIABILITIES-OTHER>                              4,200,722
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            29,095
<OTHER-SE>                                      58,428,736
<TOTAL-LIABILITIES-AND-EQUITY>                 269,066,118
<INTEREST-LOAN>                                 13,783,889
<INTEREST-INVEST>                                2,388,412
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                16,172,301
<INTEREST-DEPOSIT>                               6,735,842
<INTEREST-EXPENSE>                               6,823,154
<INTEREST-INCOME-NET>                            9,349,147
<LOAN-LOSSES>                                      210,000
<SECURITIES-GAINS>                                 272,724
<EXPENSE-OTHER>                                  7,429,717
<INCOME-PRETAX>                                  3,708,517
<INCOME-PRE-EXTRAORDINARY>                       3,708,517
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     2,306,017
<EPS-PRIMARY>                                          .89
<EPS-DILUTED>                                          .89
<YIELD-ACTUAL>                                         5.1
<LOANS-NON>                                      1,507,599
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                     77,947
<ALLOWANCE-OPEN>                                 3,245,911
<CHARGE-OFFS>                                       68,967
<RECOVERIES>                                           378
<ALLOWANCE-CLOSE>                                3,287,322
<ALLOWANCE-DOMESTIC>                             3,287,322
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
                                          


</TABLE>