<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 DECEMBER 31, 1999 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-END>                                                  DEC-31-1999
<CASH>                                                            2,433
<INT-BEARING-DEPOSITS>                                            8,006
<FED-FUNDS-SOLD>                                                      0
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                      15,082
<INVESTMENTS-CARRYING>                                          114,290
<INVESTMENTS-MARKET>                                            112,073
<LOANS>                                                          68,820
<ALLOWANCE>                                                         772
<TOTAL-ASSETS>                                                  212,659
<DEPOSITS>                                                      152,651
<SHORT-TERM>                                                     11,000
<LIABILITIES-OTHER>                                               1,178
<LONG-TERM>                                                      20,000
<COMMON>                                                             41
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<OTHER-SE>                                                       25,942
<TOTAL-LIABILITIES-AND-EQUITY>                                  212,659
<INTEREST-LOAN>                                                   2,489
<INTEREST-INVEST>                                                 4,112
<INTEREST-OTHER>                                                    182
<INTEREST-TOTAL>                                                  6,783
<INTEREST-DEPOSIT>                                                3,057
<INTEREST-EXPENSE>                                                3,790
<INTEREST-INCOME-NET>                                             2,993
<LOAN-LOSSES>                                                        30
<SECURITIES-GAINS>                                                    0
<EXPENSE-OTHER>                                                   1,810
<INCOME-PRETAX>                                                   1,296
<INCOME-PRE-EXTRAORDINARY>                                        1,296
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                        796
<EPS-BASIC>                                                      0.53
<EPS-DILUTED>                                                      0.52
<YIELD-ACTUAL>                                                     2.91
<LOANS-NON>                                                         563
<LOANS-PAST>                                                        372
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                    742
<CHARGE-OFFS>                                                         0
<RECOVERIES>                                                          0
<ALLOWANCE-CLOSE>                                                   772
<ALLOWANCE-DOMESTIC>                                                772
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                               0




</TABLE>