<TABLE> <S> <C>

<ARTICLE>                                            9
<MULTIPLIER>                                  1,000

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                             JUN-30-2000
<PERIOD-START>                                JUL-01-1999
<PERIOD-END>                                  JUN-30-2000
 <CASH>                                                2,314
 <INT-BEARING-DEPOSITS>                               22,007
 <FED-FUNDS-SOLD>                                          0
 <TRADING-ASSETS>                                     53,852
 <INVESTMENTS-HELD-FOR-SALE>                          64,052
 <INVESTMENTS-CARRYING>                                3,857
 <INVESTMENTS-MARKET>                                  3,875
 <LOANS>                                             272,378
 <ALLOWANCE>                                           1,408
 <TOTAL-ASSETS>                                      435,192
 <DEPOSITS>                                          361,241
 <SHORT-TERM>                                         35,038
 <LIABILITIES-OTHER>                                   8,816
 <LONG-TERM>                                          12,995
 <PREFERRED-MANDATORY>                                     0
 <PREFERRED>                                               0
 <COMMON>                                                425
 <OTHER-SE>                                           15,832
 <TOTAL-LIABILITIES-AND-EQUITY>                      435,192
 <INTEREST-LOAN>                                      20,637
 <INTEREST-INVEST>                                    11,256
 <INTEREST-OTHER>                                          0
 <INTEREST-TOTAL>                                     31,893
 <INTEREST-DEPOSIT>                                   18,226
 <INTEREST-EXPENSE>                                   23,522
 <INTEREST-INCOME-NET>                                 8,371
 <LOAN-LOSSES>                                           587
 <SECURITIES-GAINS>                                   (1,405)
 <EXPENSE-OTHER>                                       9,627
 <INCOME-PRETAX>                                       3,248
 <INCOME-PRE-EXTRAORDINARY>                            3,248
 <EXTRAORDINARY>                                           0
 <CHANGES>                                                 0
 <NET-INCOME>                                         (1,879)
 <EPS-BASIC>                                           (0.59)
 <EPS-DILUTED>                                         (0.59)
 <YIELD-ACTUAL>                                         1.75
 <LOANS-NON>                                             180
 <LOANS-PAST>                                              0
 <LOANS-TROUBLED>                                          0
 <LOANS-PROBLEM>                                           0
 <ALLOWANCE-OPEN>                                        868
 <CHARGE-OFFS>                                           587
 <RECOVERIES>                                            (47)
 <ALLOWANCE-CLOSE>                                     1,408
 <ALLOWANCE-DOMESTIC>                                  1,408
 <ALLOWANCE-FOREIGN>                                       0
 <ALLOWANCE-UNALLOCATED>                                   0


</TABLE>