<TABLE> <S> <C>

<ARTICLE>                      9
<MULTIPLIER>                        1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                                JUN-30-2000
<PERIOD-END>                                     MAR-31-2000
<CASH>                                                 4,247
<INT-BEARING-DEPOSITS>                                 3,751
<FED-FUNDS-SOLD>                                           0
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                           52,246
<INVESTMENTS-CARRYING>                                     0
<INVESTMENTS-MARKET>                                       0
<LOANS>                                              150,759
<ALLOWANCE>                                            1,566
<TOTAL-ASSETS>                                       219,677
<DEPOSITS>                                           134,079
<SHORT-TERM>                                          63,877
<LIABILITIES-OTHER>                                    2,487
<LONG-TERM>                                                0
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<COMMON>                                                  18
<OTHER-SE>                                            18,540
<TOTAL-LIABILITIES-AND-EQUITY>                       219,677
<INTEREST-LOAN>                                        9,629
<INTEREST-INVEST>                                      2,702
<INTEREST-OTHER>                                         105
<INTEREST-TOTAL>                                      12,436
<INTEREST-DEPOSIT>                                     4,402
<INTEREST-EXPENSE>                                     7,140
<INTEREST-INCOME-NET>                                  5,296
<LOAN-LOSSES>                                            485
<SECURITIES-GAINS>                                      (34)
<EXPENSE-OTHER>                                        3,151
<INCOME-PRETAX>                                        2,549
<INCOME-PRE-EXTRAORDINARY>                             2,549
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                           1,658
<EPS-BASIC>                                             1.16
<EPS-DILUTED>                                           1.14
<YIELD-ACTUAL>                                          3.38
<LOANS-NON>                                              359
<LOANS-PAST>                                               0
<LOANS-TROUBLED>                                           0
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                       1,623
<CHARGE-OFFS>                                            605
<RECOVERIES>                                              63
<ALLOWANCE-CLOSE>                                      1,566
<ALLOWANCE-DOMESTIC>                                   1,228
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                  337


</TABLE>