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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-END> JUN-30-2000
<CASH> 3,009,496
<INT-BEARING-DEPOSITS> 163,142
<FED-FUNDS-SOLD> 361,394
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 39,620,019
<INVESTMENTS-CARRYING> 4,075,685
<INVESTMENTS-MARKET> 4,042,988
<LOANS> 45,806,052
<ALLOWANCE> 321,383
<TOTAL-ASSETS> 98,856,495
<DEPOSITS> 77,077,495
<SHORT-TERM> 710,000
<LIABILITIES-OTHER> 904,873
<LONG-TERM> 11,950,000
0
0
<COMMON> 1,314,757
<OTHER-SE> 6,660,378
<TOTAL-LIABILITIES-AND-EQUITY> 98,856,495
<INTEREST-LOAN> 2,879,649
<INTEREST-INVEST> 1,919,802
<INTEREST-OTHER> 116,647
<INTEREST-TOTAL> 4,916,098
<INTEREST-DEPOSIT> 2,039,137
<INTEREST-EXPENSE> 2,540,265
<INTEREST-INCOME-NET> 2,375,833
<LOAN-LOSSES> (100,000)
<SECURITIES-GAINS> (6,125)
<EXPENSE-OTHER> 2,194,035
<INCOME-PRETAX> 634,160
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<CHANGES> 0
<NET-INCOME> 400,997
<EPS-BASIC> 3.17
<EPS-DILUTED> 2.99
<YIELD-ACTUAL> 7.59
<LOANS-NON> 901,960
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 112,075
<ALLOWANCE-OPEN> 318,536
<CHARGE-OFFS> 15,593
<RECOVERIES> 18,440
<ALLOWANCE-CLOSE> 321,383
<ALLOWANCE-DOMESTIC> 321,383
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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