<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<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>                                           1,598
<INT-BEARING-DEPOSITS>                              36
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     24,264
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         76,650
<ALLOWANCE>                                        353
<TOTAL-ASSETS>                                 104,431
<DEPOSITS>                                      56,850
<SHORT-TERM>                                     4,975
<LIABILITIES-OTHER>                                895
<LONG-TERM>                                     22,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      19,710
<TOTAL-LIABILITIES-AND-EQUITY>                 104,431
<INTEREST-LOAN>                                  1,562
<INTEREST-INVEST>                                  418
<INTEREST-OTHER>                                    20
<INTEREST-TOTAL>                                 2,000
<INTEREST-DEPOSIT>                                 579
<INTEREST-EXPENSE>                                 947
<INTEREST-INCOME-NET>                            1,053
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    658
<INCOME-PRETAX>                                    422
<INCOME-PRE-EXTRAORDINARY>                         256
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       256
<EPS-BASIC>                                        .15
<EPS-DILUTED>                                      .14
<YIELD-ACTUAL>                                    4.14
<LOANS-NON>                                          0
<LOANS-PAST>                                       107
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   322
<CHARGE-OFFS>                                       30
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  353
<ALLOWANCE-DOMESTIC>                               353
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             80


</TABLE>