<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              JUN-30-2000
<PERIOD-END>                                   SEP-30-1999
<CASH>                                           2,024
<INT-BEARING-DEPOSITS>                             979
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     46,214
<INVESTMENTS-CARRYING>                           1,678
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         99,159
<ALLOWANCE>                                        463
<TOTAL-ASSETS>                                 155,881
<DEPOSITS>                                      79,172
<SHORT-TERM>                                    62,550
<LIABILITIES-OTHER>                              1,732
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            94
<OTHER-SE>                                      12,333
<TOTAL-LIABILITIES-AND-EQUITY>                 155,881
<INTEREST-LOAN>                                  2,041
<INTEREST-INVEST>                                  631
<INTEREST-OTHER>                                    58
<INTEREST-TOTAL>                                 2,730
<INTEREST-DEPOSIT>                                 788
<INTEREST-EXPENSE>                               1,571
<INTEREST-INCOME-NET>                            1,159
<LOAN-LOSSES>                                       20
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    674
<INCOME-PRETAX>                                    538
<INCOME-PRE-EXTRAORDINARY>                         538
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       345
<EPS-BASIC>                                      .37
<EPS-DILUTED>                                      .36
<YIELD-ACTUAL>                                    3.19
<LOANS-NON>                                        428
<LOANS-PAST>                                         6
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    498
<ALLOWANCE-OPEN>                                   443
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  463
<ALLOWANCE-DOMESTIC>                               463
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>