<TABLE> <S> <C>

<ARTICLE>                                            9

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                             JUN-30-2000
<PERIOD-END>                                  JUN-30-2000
<CASH>                                                3,564,615
<INT-BEARING-DEPOSITS>                                  169,330
<FED-FUNDS-SOLD>                                              0
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                          42,601,603
<INVESTMENTS-CARRYING>                                        0
<INVESTMENTS-MARKET>                                          0
<LOANS>                                             211,289,977
<ALLOWANCE>                                             843,928
<TOTAL-ASSETS>                                      268,370,098
<DEPOSITS>                                          155,839,830
<SHORT-TERM>                                         58,803,024
<LIABILITIES-OTHER>                                   6,504,418
<LONG-TERM>                                          30,000,000
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<COMMON>                                                 25,211
<OTHER-SE>                                           22,197,615
<TOTAL-LIABILITIES-AND-EQUITY>                      268,370,098
<INTEREST-LOAN>                                      14,185,674
<INTEREST-INVEST>                                     3,000,715
<INTEREST-OTHER>                                        419,092
<INTEREST-TOTAL>                                     17,605,481
<INTEREST-DEPOSIT>                                    6,524,850
<INTEREST-EXPENSE>                                   10,912,465
<INTEREST-INCOME-NET>                                 6,693,016
<LOAN-LOSSES>                                           400,000
<SECURITIES-GAINS>                                      (28,406)
<EXPENSE-OTHER>                                       5,025,328
<INCOME-PRETAX>                                       1,695,929
<INCOME-PRE-EXTRAORDINARY>                            1,091,929
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                          1,091,929
<EPS-BASIC>                                                 .46
<EPS-DILUTED>                                               .46
<YIELD-ACTUAL>                                             7.62
<LOANS-NON>                                             404,000
<LOANS-PAST>                                                  0
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                        480,267
<CHARGE-OFFS>                                            36,339
<RECOVERIES>                                                  0
<ALLOWANCE-CLOSE>                                       843,928
<ALLOWANCE-DOMESTIC>                                    843,928
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                 843,928


</TABLE>