<TABLE> <S> <C>


<ARTICLE>                                      9
<MULTIPLIER>                                   1

<S>                                          <C>
<PERIOD-TYPE>                                        3-MOS
<FISCAL-YEAR-END>                              Jun-30-2001
<PERIOD-START>                                 Jul-01-2000
<PERIOD-END>                                   Sep-30-2000
<CASH>                                           1,606,416
<INT-BEARING-DEPOSITS>                           9,902,313
<FED-FUNDS-SOLD>                                 1,070,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                      8,414,300
<INVESTMENTS-CARRYING>                          37,383,257
<INVESTMENTS-MARKET>                            36,623,773
<LOANS>                                         67,432,859
<ALLOWANCE>                                        401,560
<TOTAL-ASSETS>                                 132,658,680
<DEPOSITS>                                      90,559,645
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                              2,254,221
<LONG-TERM>                                      5,000,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            22,724
<OTHER-SE>                                      34,822,090
<TOTAL-LIABILITIES-AND-EQUITY>                 132,658,680
<INTEREST-LOAN>                                  1,370,190
<INTEREST-INVEST>                                  951,875
<INTEREST-OTHER>                                    15,575
<INTEREST-TOTAL>                                 2,337,640
<INTEREST-DEPOSIT>                               1,109,275
<INTEREST-EXPENSE>                               1,209,147
<INTEREST-INCOME-NET>                            1,128,493
<LOAN-LOSSES>                                       45,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                    950,648
<INCOME-PRETAX>                                    365,971
<INCOME-PRE-EXTRAORDINARY>                         365,971
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       251,195
<EPS-BASIC>                                           0.13
<EPS-DILUTED>                                         0.13
<YIELD-ACTUAL>                                        3.68
<LOANS-NON>                                        112,912
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                    49,749
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                   395,638
<CHARGE-OFFS>                                       39,578
<RECOVERIES>                                           500
<ALLOWANCE-CLOSE>                                  401,560
<ALLOWANCE-DOMESTIC>                               401,560
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>