<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION FROM THE QUARTERLY
     REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
     FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              JUN-30-2000
<PERIOD-START>                                 JUL-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                               2,889
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         18,266
<INVESTMENTS-CARRYING>                               9,762
<INVESTMENTS-MARKET>                                 9,616
<LOANS>                                            111,784
<ALLOWANCE>                                            696
<TOTAL-ASSETS>                                     157,691
<DEPOSITS>                                         125,080
<SHORT-TERM>                                           267
<LIABILITIES-OTHER>                                  2,132
<LONG-TERM>                                         11,499
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                12
<OTHER-SE>                                          18,701
<TOTAL-LIABILITIES-AND-EQUITY>                      18,713
<INTEREST-LOAN>                                      2,253
<INTEREST-INVEST>                                      472
<INTEREST-OTHER>                                         5
<INTEREST-TOTAL>                                     2,730
<INTEREST-DEPOSIT>                                       0
<INTEREST-EXPENSE>                                   1,377
<INTEREST-INCOME-NET>                                1,353
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,248
<INCOME-PRETAX>                                        448
<INCOME-PRE-EXTRAORDINARY>                             448
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           304
<EPS-BASIC>                                            .26
<EPS-DILUTED>                                          .26
<YIELD-ACTUAL>                                        7.77
<LOANS-NON>                                            616
<LOANS-PAST>                                            75
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                        840
<ALLOWANCE-OPEN>                                       712
<CHARGE-OFFS>                                           19
<RECOVERIES>                                             3
<ALLOWANCE-CLOSE>                                      696
<ALLOWANCE-DOMESTIC>                                   696
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>