<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                               JUN-30-2000
<PERIOD-START>                                  JUL-01-1999
<PERIOD-END>                                    SEP-30-1999
<CASH>                                                4,119
<INT-BEARING-DEPOSITS>                                4,890
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                          71,775
<INVESTMENTS-CARRYING>                                    0
<INVESTMENTS-MARKET>                                      0
<LOANS>                                             396,495
<ALLOWANCE>                                           3,344
<TOTAL-ASSETS>                                      490,022
<DEPOSITS>                                          391,477
<SHORT-TERM>                                         22,000
<LIABILITIES-OTHER>                                   2,942
<LONG-TERM>                                          12,914
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                                 51
<OTHER-SE>                                           58,161
<TOTAL-LIABILITIES-AND-EQUITY>                      490,022
<INTEREST-LOAN>                                       7,656
<INTEREST-INVEST>                                     1,242
<INTEREST-OTHER>                                          0
<INTEREST-TOTAL>                                      8,898
<INTEREST-DEPOSIT>                                    3,932
<INTEREST-EXPENSE>                                    4,266
<INTEREST-INCOME-NET>                                 4,632
<LOAN-LOSSES>                                           270
<SECURITIES-GAINS>                                        0
<EXPENSE-OTHER>                                       2,765
<INCOME-PRETAX>                                       1,859
<INCOME-PRE-EXTRAORDINARY>                            1,207
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                          1,207
<EPS-BASIC>                                           .24
<EPS-DILUTED>                                           .24
<YIELD-ACTUAL>                                         7.53
<LOANS-NON>                                           1,140
<LOANS-PAST>                                            205
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                       1,345
<ALLOWANCE-OPEN>                                     (3,138)
<CHARGE-OFFS>                                            64
<RECOVERIES>                                              0
<ALLOWANCE-CLOSE>                                     3,344
<ALLOWANCE-DOMESTIC>                                  3,344
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                               1,018



</TABLE>