<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE THIRD
QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-END> JUN-30-2000
<CASH> 26,435,601
<INT-BEARING-DEPOSITS> 1,132,806
<FED-FUNDS-SOLD> 93,931
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 229,714,711
<INVESTMENTS-CARRYING> 3,192,047
<INVESTMENTS-MARKET> 3,165,228
<LOANS> 737,135,902
<ALLOWANCE> 3,322,782
<TOTAL-ASSETS> 1,041,731,003
<DEPOSITS> 696,225,187
<SHORT-TERM> 2,000,000
<LIABILITIES-OTHER> 12,643,574
<LONG-TERM> 221,750,000
0
0
<COMMON> 74,712
<OTHER-SE> 109,037,530
<TOTAL-LIABILITIES-AND-EQUITY> 1,041,731,003
<INTEREST-LOAN> 42,935,817
<INTEREST-INVEST> 11,095,492
<INTEREST-OTHER> 395,422
<INTEREST-TOTAL> 54,426,731
<INTEREST-DEPOSIT> 21,066,552
<INTEREST-EXPENSE> 30,465,460
<INTEREST-INCOME-NET> 23,961,271
<LOAN-LOSSES> 536,000
<SECURITIES-GAINS> 6,836
<EXPENSE-OTHER> 17,095,533
<INCOME-PRETAX> 9,323,894
<INCOME-PRE-EXTRAORDINARY> 9,323,894
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,829,214
<EPS-BASIC> .85
<EPS-DILUTED> .85
<YIELD-ACTUAL> 2.54
<LOANS-NON> 1,515,165
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,483,625
<CHARGE-OFFS> 164,267
<RECOVERIES> 347,424
<ALLOWANCE-CLOSE> 3,322,782
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 3,322,782
</TABLE>