<TABLE> <S> <C>

<ARTICLE>       9
<LEGEND>
THE  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION   EXTRACTED  FROM  THE
CONSOLIDATED  BALANCE  SHEET AND THE  CONSOLIDATED  STATEMENT OF INCOME FILES AS
PART OF THE  QUARTERLY  REPORT ON FORM 10-Q 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-30-2001
<PERIOD-START>                                    JUL-01-2000
<PERIOD-END>                                      SEP-30-2000
<CASH>                                               1,014
<INT-BEARING-DEPOSITS>                                 863
<FED-FUNDS-SOLD>                                     1,400
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          9,672
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            117,225
<ALLOWANCE>                                            606
<TOTAL-ASSETS>                                     133,143
<DEPOSITS>                                          91,789
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    255
<LONG-TERM>                                         24,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                18
<OTHER-SE>                                          17,081
<TOTAL-LIABILITIES-AND-EQUITY>                     133,143
<INTEREST-LOAN>                                      2,295
<INTEREST-INVEST>                                      170
<INTEREST-OTHER>                                        13
<INTEREST-TOTAL>                                     2,478
<INTEREST-DEPOSIT>                                   1,189
<INTEREST-EXPENSE>                                   1,536
<INTEREST-INCOME-NET>                                  942
<LOAN-LOSSES>                                           19
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        689
<INCOME-PRETAX>                                        262
<INCOME-PRE-EXTRAORDINARY>                             162
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           162
<EPS-BASIC>                                           0.11
<EPS-DILUTED>                                         0.11
<YIELD-ACTUAL>                                        3.01
<LOANS-NON>                                            902
<LOANS-PAST>                                           401
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       591
<CHARGE-OFFS>                                            5
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      606
<ALLOWANCE-DOMESTIC>                                   575
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                 31


</TABLE>