<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              JUN-30-2000
<PERIOD-END>                                   SEP-30-1999
<CASH>                                           1,468
<INT-BEARING-DEPOSITS>                           4,270
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,060
<INVESTMENTS-CARRYING>                          10,015
<INVESTMENTS-MARKET>                            10,350
<LOANS>                                        277,212
<ALLOWANCE>                                      2,394
<TOTAL-ASSETS>                                 313,351
<DEPOSITS>                                     143,169
<SHORT-TERM>                                   103,334
<LIABILITIES-OTHER>                              5,557
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           625
<OTHER-SE>                                      60,666
<TOTAL-LIABILITIES-AND-EQUITY>                 313,351
<INTEREST-LOAN>                                  5,180
<INTEREST-INVEST>                                  212
<INTEREST-OTHER>                                   170
<INTEREST-TOTAL>                                 5,562
<INTEREST-DEPOSIT>                               1,500
<INTEREST-EXPENSE>                               1,485
<INTEREST-INCOME-NET>                            2,577
<LOAN-LOSSES>                                      (15)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    373
<INCOME-PRETAX>                                  1,372
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       860
<EPS-BASIC>                                      .16
<EPS-DILUTED>                                      .16
<YIELD-ACTUAL>                                    3.45
<LOANS-NON>                                        870
<LOANS-PAST>                                       105
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    876
<ALLOWANCE-OPEN>                                 2,349
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                2,394
<ALLOWANCE-DOMESTIC>                             2,394
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>