<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.


                                          
<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
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              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