<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                                   JUN-30-2001
<PERIOD-END>                                        SEP-30-2000
<CASH>                                                    7,767
<INT-BEARING-DEPOSITS>                                      100
<FED-FUNDS-SOLD>                                          5,443
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                              84,082
<INVESTMENTS-CARRYING>                                    5,162
<INVESTMENTS-MARKET>                                      5,232
<LOANS>                                                 108,559
<ALLOWANCE>                                                (860)
<TOTAL-ASSETS>                                          222,869
<DEPOSITS>                                              179,920
<SHORT-TERM>                                                  0
<LIABILITIES-OTHER>                                       1,363
<LONG-TERM>                                              25,263
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<COMMON>                                                     17
<OTHER-SE>                                               16,306
<TOTAL-LIABILITIES-AND-EQUITY>                          222,869
<INTEREST-LOAN>                                           2,210
<INTEREST-INVEST>                                         1,587
<INTEREST-OTHER>                                             60
<INTEREST-TOTAL>                                          3,857
<INTEREST-DEPOSIT>                                        1,703
<INTEREST-EXPENSE>                                        2,074
<INTEREST-INCOME-NET>                                     1,783
<LOAN-LOSSES>                                                56
<SECURITIES-GAINS>                                           76
<EXPENSE-OTHER>                                           1,740
<INCOME-PRETAX>                                             344
<INCOME-PRE-EXTRAORDINARY>                                  344
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                                225
<EPS-BASIC>                                                0.14
<EPS-DILUTED>                                              0.14
<YIELD-ACTUAL>                                             7.74
<LOANS-NON>                                                 443
<LOANS-PAST>                                                556
<LOANS-TROUBLED>                                             30
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                            802
<CHARGE-OFFS>                                                 6
<RECOVERIES>                                                  8
<ALLOWANCE-CLOSE>                                           860
<ALLOWANCE-DOMESTIC>                                        768
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                      92



</TABLE>