<TABLE> <S> <C>

<ARTICLE>                                               9

<MULTIPLIER>                                         1000

<S>                                                    <C>
<FISCAL-YEAR-END>                                      JUN-30-2000
<PERIOD-START>                                          JUL-1-2000
<PERIOD-END>                                           DEC-31-2000
<PERIOD-TYPE>                                                6-MOS
<CASH>                                                            2,905
<INT-BEARING-DEPOSITS>                                            2,750
<FED-FUNDS-SOLD>                                                      0
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                      19,060
<INVESTMENTS-CARRYING>                                            8,961
<INVESTMENTS-MARKET>                                              8,949
<LOANS>                                                         113,159
<ALLOWANCE>                                                         694
<TOTAL-ASSETS>                                                  160,140
<DEPOSITS>                                                      127,048
<SHORT-TERM>                                                      2,267
<LIABILITIES-OTHER>                                               1,739
<LONG-TERM>                                                       9,907
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<COMMON>                                                             12
<OTHER-SE>                                                       19,166
<TOTAL-LIABILITIES-AND-EQUITY>                                   19,178
<INTEREST-LOAN>                                                   4,554
<INTEREST-INVEST>                                                   880
<INTEREST-OTHER>                                                     28
<INTEREST-TOTAL>                                                  5,508
<INTEREST-DEPOSIT>                                                2,533
<INTEREST-EXPENSE>                                                2,844
<INTEREST-INCOME-NET>                                             2,664
<LOAN-LOSSES>                                                         0
<SECURITIES-GAINS>                                                    0
<EXPENSE-OTHER>                                                   2,565
<INCOME-PRETAX>                                                     843
<INCOME-PRE-EXTRAORDINARY>                                          843
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                        575
<EPS-BASIC>                                                         .49
<EPS-DILUTED>                                                       .49
<YIELD-ACTUAL>                                                     7.75
<LOANS-NON>                                                         590
<LOANS-PAST>                                                         69
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                     785
<ALLOWANCE-OPEN>                                                    712
<CHARGE-OFFS>                                                        23
<RECOVERIES>                                                          5
<ALLOWANCE-CLOSE>                                                   694
<ALLOWANCE-DOMESTIC>                                                694
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                               0


</TABLE>