<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the
annual report on Form 10-KSB for the fiscal year ended September 30, 2000 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-END> SEP-30-2000
<CASH> 449,960
<INT-BEARING-DEPOSITS> 771,082
<FED-FUNDS-SOLD> 770,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 1,992,200
<INVESTMENTS-CARRYING> 15,243,135
<INVESTMENTS-MARKET> 15,088,115
<LOANS> 125,877,049
<ALLOWANCE> 758,333
<TOTAL-ASSETS> 149,130,366
<DEPOSITS> 94,127,537
<SHORT-TERM> 11,100,000
<LIABILITIES-OTHER> 2,138,484
<LONG-TERM> 28,000,000
<COMMON> 16,493
0
0
<OTHER-SE> 13,747,852
<TOTAL-LIABILITIES-AND-EQUITY> 149,130,366
<INTEREST-LOAN> 9,776,440
<INTEREST-INVEST> 1,213,390
<INTEREST-OTHER> 196,139
<INTEREST-TOTAL> 11,185,969
<INTEREST-DEPOSIT> 4,551,694
<INTEREST-EXPENSE> 6,561,551
<INTEREST-INCOME-NET> 4,624,418
<LOAN-LOSSES> 99,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,813,583
<INCOME-PRETAX> 2,163,002
<INCOME-PRE-EXTRAORDINARY> 1,376,363
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,376,363
<EPS-BASIC> 1.36
<EPS-DILUTED> 1.30
<YIELD-ACTUAL> 7.90
<LOANS-NON> 1,100,582
<LOANS-PAST> 186,647
<LOANS-TROUBLED> 23,356
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 752,650
<CHARGE-OFFS> 93,317
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 758,333
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 758,333
</TABLE>