<TABLE> <S> <C>

<ARTICLE>                  9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT FILED ON FORM 10-Q FOR THE FISCAL QUARTER ENDED SEPTEMBER 30, 1999 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-30-2000
<PERIOD-END>                                                  SEP-30-1999
<CASH>                                                              801
<INT-BEARING-DEPOSITS>                                            1,210
<FED-FUNDS-SOLD>                                                      0
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                      15,388
<INVESTMENTS-CARRYING>                                          117,914
<INVESTMENTS-MARKET>                                            116,515
<LOANS>                                                          68,006
<ALLOWANCE>                                                         757
<TOTAL-ASSETS>                                                  207,166
<DEPOSITS>                                                      151,150
<SHORT-TERM>                                                      5,000
<LIABILITIES-OTHER>                                               1,466
<LONG-TERM>                                                      23,000
<COMMON>                                                             41
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<OTHER-SE>                                                       26,509
<TOTAL-LIABILITIES-AND-EQUITY>                                  207,166
<INTEREST-LOAN>                                                   1,229
<INTEREST-INVEST>                                                 2,062
<INTEREST-OTHER>                                                     64
<INTEREST-TOTAL>                                                  3,355
<INTEREST-DEPOSIT>                                                1,510
<INTEREST-EXPENSE>                                                1,872
<INTEREST-INCOME-NET>                                             1,483
<LOAN-LOSSES>                                                        15
<SECURITIES-GAINS>                                                    0
<EXPENSE-OTHER>                                                     892
<INCOME-PRETAX>                                                     647
<INCOME-PRE-EXTRAORDINARY>                                          647
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                        397
<EPS-BASIC>                                                      0.26
<EPS-DILUTED>                                                      0.25
<YIELD-ACTUAL>                                                     2.90
<LOANS-NON>                                                         655
<LOANS-PAST>                                                        300
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                    742
<CHARGE-OFFS>                                                         0
<RECOVERIES>                                                          0
<ALLOWANCE-CLOSE>                                                   757
<ALLOWANCE-DOMESTIC>                                                757
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                               0


</TABLE>