<TABLE> <S> <C>


<ARTICLE>                                                              9
<MULTIPLIER>                                                       1,000

<S>                                                                  <C>
<PERIOD-TYPE>                                                      3-MOS
<FISCAL-YEAR-END>                                            JUN-30-1999
<PERIOD-START>                                               JUL-01-1999
<PERIOD-END>                                                 SEP-30-1999
<CASH>                                                             1,172
<INT-BEARING-DEPOSITS>                                             1,420
<FED-FUNDS-SOLD>                                                       0
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                       13,075
<INVESTMENTS-CARRYING>                                             4,480
<INVESTMENTS-MARKET>                                               4,614
<LOANS>                                                           90,468
<ALLOWANCE>                                                          278
<TOTAL-ASSETS>                                                   114,884
<DEPOSITS>                                                        72,128
<SHORT-TERM>                                                           0
<LIABILITIES-OTHER>                                                  649
<LONG-TERM>                                                       26,208
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                               0
<OTHER-SE>                                                        15,899
<TOTAL-LIABILITIES-AND-EQUITY>                                   114,884
<INTEREST-LOAN>                                                    1,597
<INTEREST-INVEST>                                                    325
<INTEREST-OTHER>                                                       0
<INTEREST-TOTAL>                                                   1,922
<INTEREST-DEPOSIT>                                                   762
<INTEREST-EXPENSE>                                                 1,064
<INTEREST-INCOME-NET>                                                858
<LOAN-LOSSES>                                                          9
<SECURITIES-GAINS>                                                     0
<EXPENSE-OTHER>                                                      582
<INCOME-PRETAX>                                                      305
<INCOME-PRE-EXTRAORDINARY>                                           201
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                         201
<EPS-BASIC>                                                        .15
<EPS-DILUTED>                                                        .14
<YIELD-ACTUAL>                                                      3.10
<LOANS-NON>                                                           74
<LOANS-PAST>                                                           0
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                        0
<ALLOWANCE-OPEN>                                                     269
<CHARGE-OFFS>                                                          0
<RECOVERIES>                                                           0
<ALLOWANCE-CLOSE>                                                    278
<ALLOWANCE-DOMESTIC>                                                   0
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                              278



</TABLE>