<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
     THIS LEGEND CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-QSB FOR
THE THREE MONTHS ENDED SEPTEMBER  30, 2000 AND IS QUALIFIED IN ITS ENTIRETY  BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1

<S>                                                                          <C>
<PERIOD-TYPE>                                                              3-MOS
<FISCAL-YEAR-END>                                                    JUN-30-2001
<PERIOD-END>                                                         SEP-30-2000
<CASH>                                                                 3,568,740
<INT-BEARING-DEPOSITS>                                                32,943,615
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                            5,078,903
<INVESTMENTS-CARRYING>                                                40,068,816
<INVESTMENTS-MARKET>                                                  39,921,945
<LOANS>                                                               54,799,253
<ALLOWANCE>                                                              382,520
<TOTAL-ASSETS>                                                       140,719,779
<DEPOSITS>                                                           130,649,815
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                      703,110
<LONG-TERM>                                                                    0
<COMMON>                                                                   3,640
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<OTHER-SE>                                                             9,363,214
<TOTAL-LIABILITIES-AND-EQUITY>                                       140,719,779
<INTEREST-LOAN>                                                        1,014,379
<INTEREST-INVEST>                                                      1,241,646
<INTEREST-OTHER>                                                               0
<INTEREST-TOTAL>                                                       2,256,025
<INTEREST-DEPOSIT>                                                     1,304,380
<INTEREST-EXPENSE>                                                     1,304,380
<INTEREST-INCOME-NET>                                                    951,645
<LOAN-LOSSES>                                                                  0
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                          999,414
<INCOME-PRETAX>                                                          159,602
<INCOME-PRE-EXTRAORDINARY>                                               159,602
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                             105,598
<EPS-BASIC>                                                               0.29
<EPS-DILUTED>                                                               0.29
<YIELD-ACTUAL>                                                              2.88
<LOANS-NON>                                                              353,402
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                         368,885
<CHARGE-OFFS>                                                                  0
<RECOVERIES>                                                              13,635
<ALLOWANCE-CLOSE>                                                        382,520
<ALLOWANCE-DOMESTIC>                                                     188,762
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                  193,758



</TABLE>