<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  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>                   6-MOS
<FISCAL-YEAR-END>                              JUN-30-2000
<PERIOD-START>                                 JUL-01-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                             2,533
<INT-BEARING-DEPOSITS>                             1,390
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                        9,555
<INVESTMENTS-CARRYING>                                 0
<INVESTMENTS-MARKET>                                   0
<LOANS>                                          109,274
<ALLOWANCE>                                          557
<TOTAL-ASSETS>                                   125,710
<DEPOSITS>                                        89,312
<SHORT-TERM>                                       1,700
<LIABILITIES-OTHER>                                  230
<LONG-TERM>                                       17,000
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                              18
<OTHER-SE>                                        17,450
<TOTAL-LIABILITIES-AND-EQUITY>                   125,710
<INTEREST-LOAN>                                    4,084
<INTEREST-INVEST>                                    310
<INTEREST-OTHER>                                      61
<INTEREST-TOTAL>                                   4,455
<INTEREST-DEPOSIT>                                 2,078
<INTEREST-EXPENSE>                                 2,590
<INTEREST-INCOME-NET>                              1,865
<LOAN-LOSSES>                                         28
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                    1,458
<INCOME-PRETAX>                                      422
<INCOME-PRE-EXTRAORDINARY>                           247
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                         247
<EPS-BASIC>                                          .17
<EPS-DILUTED>                                        .17
<YIELD-ACTUAL>                                      3.18
<LOANS-NON>                                          471
<LOANS-PAST>                                         304
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                     529
<CHARGE-OFFS>                                          0
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                                    557
<ALLOWANCE-DOMESTIC>                                 557
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                               44



</TABLE>