<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>

     THIS LEGEND CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-QSB FOR
THE NINE  MONTHS  ENDED  MARCH 31,  2000 AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.

</LEGEND>


<S>                                     <C>
<PERIOD-TYPE>                            9-MOS
<FISCAL-YEAR-END>                                                JUN-30-2000
<PERIOD-START>                                                   JUL-01-1999
<PERIOD-END>                                                     MAR-31-2000
<CASH>                                                             2,765,496
<INT-BEARING-DEPOSITS>                                            36,948,211
<FED-FUNDS-SOLD>                                                           0
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                        5,031,892
<INVESTMENTS-CARRYING>                                            42,505,132
<INVESTMENTS-MARKET>                                              42,099,015
<LOANS>                                                           50,497,881
<ALLOWANCE>                                                          371,813
<TOTAL-ASSETS>                                                   141,972,716
<DEPOSITS>                                                       132,069,002
<SHORT-TERM>                                                               0
<LIABILITIES-OTHER>                                                  779,273
<LONG-TERM>                                                                0
<COMMON>                                                               3,640
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                                0
<OTHER-SE>                                                         9,120,801
<TOTAL-LIABILITIES-AND-EQUITY>                                   141,972,716
<INTEREST-LOAN>                                                    2,739,685
<INTEREST-INVEST>                                                  3,536,557
<INTEREST-OTHER>                                                           0
<INTEREST-TOTAL>                                                   6,276,242
<INTEREST-DEPOSIT>                                                 3,714,122
<INTEREST-EXPENSE>                                                 3,714,122
<INTEREST-INCOME-NET>                                              2,562,120
<LOAN-LOSSES>                                                              0
<SECURITIES-GAINS>                                                         0
<EXPENSE-OTHER>                                                    2,871,711
<INCOME-PRETAX>                                                      342,890
<INCOME-PRE-EXTRAORDINARY>                                           342,890
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                         227,450
<EPS-BASIC>                                                           0.62
<EPS-DILUTED>                                                           0.62
<YIELD-ACTUAL>                                                          2.57
<LOANS-NON>                                                          334,910
<LOANS-PAST>                                                               0
<LOANS-TROUBLED>                                                           0
<LOANS-PROBLEM>                                                            0
<ALLOWANCE-OPEN>                                                     365,863
<CHARGE-OFFS>                                                              0
<RECOVERIES>                                                           5,950
<ALLOWANCE-CLOSE>                                                    371,813
<ALLOWANCE-DOMESTIC>                                                 198,591
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                              173,222



</TABLE>