<TABLE> <S> <C>


<ARTICLE>                                            9

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

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                   6-MOS
<FISCAL-YEAR-END>                               JUN-30-2000
<PERIOD-END>                                    DEC-31-1999
<CASH>                                            2,997
<INT-BEARING-DEPOSITS>                            5,019
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      22,393
<INVESTMENTS-CARRYING>                              268
<INVESTMENTS-MARKET>                                268
<LOANS>                                          49,482
<ALLOWANCE>                                         216
<TOTAL-ASSETS>                                   84,051
<DEPOSITS>                                       65,498
<SHORT-TERM>                                      2,000
<LIABILITIES-OTHER>                               1,005
<LONG-TERM>                                       9,000
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                             42
<OTHER-SE>                                        6,506
<TOTAL-LIABILITIES-AND-EQUITY>                   84,051
<INTEREST-LOAN>                                   1,934
<INTEREST-INVEST>                                 1,023
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                  2,957
<INTEREST-DEPOSIT>                                1,326
<INTEREST-EXPENSE>                                1,608
<INTEREST-INCOME-NET>                             1,349
<LOAN-LOSSES>                                         6
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                   1,256
<INCOME-PRETAX>                                     347
<INCOME-PRE-EXTRAORDINARY>                          347
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        231
<EPS-BASIC>                                         .57
<EPS-DILUTED>                                       .57
<YIELD-ACTUAL>                                     7.61
<LOANS-NON>                                           0
<LOANS-PAST>                                          3
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       4
<ALLOWANCE-OPEN>                                    213
<CHARGE-OFFS>                                         0
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                   216
<ALLOWANCE-DOMESTIC>                                216
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                             216



</TABLE>