<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER>  1

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-2001
<PERIOD-END>                               SEP-30-2000
<CASH>                                                                   139,837
<INT-BEARING-DEPOSITS>                                                   487,350
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                    0
<INVESTMENTS-CARRYING>                                                12,444,395
<INVESTMENTS-MARKET>                                                  12,139,395
<LOANS>                                                               28,675,530
<ALLOWANCE>                                                               98,341
<TOTAL-ASSETS>                                                        44,699,379
<DEPOSITS>                                                            29,336,150
<SHORT-TERM>                                                           5,636,967
<LIABILITIES-OTHER>                                                      173,375
<LONG-TERM>                                                            4,650,000
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   3,000
<OTHER-SE>                                                             4,899,887
<TOTAL-LIABILITIES-AND-EQUITY>                                        44,699,379
<INTEREST-LOAN>                                                          568,279
<INTEREST-INVEST>                                                        206,183
<INTEREST-OTHER>                                                          24,751
<INTEREST-TOTAL>                                                         799,213
<INTEREST-DEPOSIT>                                                       361,180
<INTEREST-EXPENSE>                                                       518,062
<INTEREST-INCOME-NET>                                                    281,151
<LOAN-LOSSES>                                                                  0
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                          248,423
<INCOME-PRETAX>                                                           77,582
<INCOME-PRE-EXTRAORDINARY>                                                54,282
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                              54,282
<EPS-BASIC>                                                                 0.20
<EPS-DILUTED>                                                               0.20
<YIELD-ACTUAL>                                                              2.64
<LOANS-NON>                                                               18,451
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                         100,818
<CHARGE-OFFS>                                                              2,477
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                         98,341
<ALLOWANCE-DOMESTIC>                                                      98,341
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0


</TABLE>