<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>                   9-MOS
<FISCAL-YEAR-END>                              JUN-30-2000
<PERIOD-START>                                 JUL-01-1999
<PERIOD-END>                                   MAR-31-2000
<CASH>                                               774
<INT-BEARING-DEPOSITS>                               946
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                        9,490
<INVESTMENTS-CARRYING>                                 0
<INVESTMENTS-MARKET>                                   0
<LOANS>                                          112,815
<ALLOWANCE>                                          574
<TOTAL-ASSETS>                                   127,152
<DEPOSITS>                                        92,016
<SHORT-TERM>                                       1,000
<LIABILITIES-OTHER>                                  191
<LONG-TERM>                                       17,000
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                              18
<OTHER-SE>                                        16,926
<TOTAL-LIABILITIES-AND-EQUITY>                   127,152
<INTEREST-LOAN>                                    6,218
<INTEREST-INVEST>                                    476
<INTEREST-OTHER>                                      72
<INTEREST-TOTAL>                                   6,766
<INTEREST-DEPOSIT>                                 3,164
<INTEREST-EXPENSE>                                 3,938
<INTEREST-INCOME-NET>                              2,828
<LOAN-LOSSES>                                         44
<SECURITIES-GAINS>                                   (16)
<EXPENSE-OTHER>                                    2,144
<INCOME-PRETAX>                                      687
<INCOME-PRE-EXTRAORDINARY>                           403
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                         403
<EPS-BASIC>                                          .27
<EPS-DILUTED>                                        .27
<YIELD-ACTUAL>                                      3.18
<LOANS-NON>                                          427
<LOANS-PAST>                                         245
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                     529
<CHARGE-OFFS>                                          0
<RECOVERIES>                                           1
<ALLOWANCE-CLOSE>                                    574
<ALLOWANCE-DOMESTIC>                                 537
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                               37


</TABLE>