<TABLE> <S> <C>

<ARTICLE>    9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION, INCOME, CHANGES IN STOCKHOLDERS'
EQUITY  AND  NOTES TO  CONSOLIDATED  FINANCIAL  STATEMENTS  AT, OR FOR THE THREE
MONTHS ENDED  SEPTEMBER 30, 2000,  AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                        1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                             JUN-30-2001
<PERIOD-START>                                JUL-01-2000
<PERIOD-END>                                  SEP-30-2000
<CASH>                                                898
<INT-BEARING-DEPOSITS>                              2,218
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        10,976
<INVESTMENTS-CARRYING>                            198,471
<INVESTMENTS-MARKET>                              191,857
<LOANS>                                           183,949
<ALLOWANCE>                                         1,985
<TOTAL-ASSETS>                                    408,910
<DEPOSITS>                                        170,149
<SHORT-TERM>                                      136,102
<LIABILITIES-OTHER>                                 5,399
<LONG-TERM>                                        70,000
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                               37
<OTHER-SE>                                         27,223
<TOTAL-LIABILITIES-AND-EQUITY>                    408,910
<INTEREST-LOAN>                                     3,701
<INTEREST-INVEST>                                   3,808
<INTEREST-OTHER>                                        8
<INTEREST-TOTAL>                                    7,517
<INTEREST-DEPOSIT>                                  1,679
<INTEREST-EXPENSE>                                  4,988
<INTEREST-INCOME-NET>                               2,529
<LOAN-LOSSES>                                           0
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                       956
<INCOME-PRETAX>                                     1,746
<INCOME-PRE-EXTRAORDINARY>                          1,746
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                        1,100
<EPS-BASIC>                                          0.39
<EPS-DILUTED>                                        0.38
<YIELD-ACTUAL>                                       2.51
<LOANS-NON>                                         4,031
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                    1,973
<CHARGE-OFFS>                                           7
<RECOVERIES>                                           19
<ALLOWANCE-CLOSE>                                   1,985
<ALLOWANCE-DOMESTIC>                                1,741
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                               244


</TABLE>