<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FOURTH
QUARTER/FISCAL YEAR END 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH 10-K
</LEGEND>
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-END> SEP-30-2000
<CASH> 19,998,788
<INT-BEARING-DEPOSITS> 2,077,359
<FED-FUNDS-SOLD> 7,870,453
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 191,959,067
<INVESTMENTS-CARRYING> 2,883,706
<INVESTMENTS-MARKET> 2,872,807
<LOANS> 729,036,847
<ALLOWANCE> 4,082,265
<TOTAL-ASSETS> 995,574,638
<DEPOSITS> 695,380,871
<SHORT-TERM> 3,000,000
<LIABILITIES-OTHER> 15,469,206
<LONG-TERM> 173,000,000
0
0
<COMMON> 73,662
<OTHER-SE> 108,650,899
<TOTAL-LIABILITIES-AND-EQUITY> 995,574,638
<INTEREST-LOAN> 57,133,422
<INTEREST-INVEST> 14,531,761
<INTEREST-OTHER> 492,546
<INTEREST-TOTAL> 72,157,729
<INTEREST-DEPOSIT> 28,363,916
<INTEREST-EXPENSE> 40,756,220
<INTEREST-INCOME-NET> 31,401,509
<LOAN-LOSSES> 1,764,000
<SECURITIES-GAINS> 6,836
<EXPENSE-OTHER> 23,772,873
<INCOME-PRETAX> 9,959,310
<INCOME-PRE-EXTRAORDINARY> 9,959,310
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 6,426,152
<EPS-BASIC> 0.94
<EPS-DILUTED> 0.94
<YIELD-ACTUAL> 2.50
<LOANS-NON> 810,746
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,483,625
<CHARGE-OFFS> 606,999
<RECOVERIES> 441,639
<ALLOWANCE-CLOSE> 4,082,265
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 4,082,265
</TABLE>