<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-2000             JUN-30-2000
<PERIOD-END>                               DEC-31-1999             DEC-30-1999
<CASH>                                           2,917                       0
<INT-BEARING-DEPOSITS>                           1,895                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     24,400                       0
<INVESTMENTS-CARRYING>                           3,333                       0
<INVESTMENTS-MARKET>                             3,331                       0
<LOANS>                                        108,552                       0
<ALLOWANCE>                                      1,124                       0
<TOTAL-ASSETS>                                 148,114                       0
<DEPOSITS>                                     109,480                       0
<SHORT-TERM>                                    18,551                       0
<LIABILITIES-OTHER>                              1,086                       0
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         6,745                       0
<OTHER-SE>                                      12,252                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 148,114                       0
<INTEREST-LOAN>                                  2,230                   4,384
<INTEREST-INVEST>                                  459                     914
<INTEREST-OTHER>                                    28                      42
<INTEREST-TOTAL>                                 2,717                   5,340
<INTEREST-DEPOSIT>                               1,181                   2,272
<INTEREST-EXPENSE>                               1,434                   2,786
<INTEREST-INCOME-NET>                            1,283                   2,554
<LOAN-LOSSES>                                        6                       9
<SECURITIES-GAINS>                                   0                       8
<EXPENSE-OTHER>                                  1,148                   2,143
<INCOME-PRETAX>                                    237                     583
<INCOME-PRE-EXTRAORDINARY>                         237                     583
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       164                     417
<EPS-BASIC>                                       0.13                    0.29
<EPS-DILUTED>                                     0.13                    0.13
<YIELD-ACTUAL>                                    3.83                    4.06
<LOANS-NON>                                        740                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 1,127                       0
<CHARGE-OFFS>                                       26                      31
<RECOVERIES>                                        17                      92
<ALLOWANCE-CLOSE>                                1,124                   1,124
<ALLOWANCE-DOMESTIC>                             1,124                   1,124
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0







</TABLE>