<TABLE> <S> <C>

<ARTICLE>                               9
<LEGEND>
THE FOLLOWING SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL  STATEMENTS  CONTAINED IN THE  REGISTRANT'S  QUARTERLY  REPORT ON FORM
10-QSB FOR THE PERIOD ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED IN IT'S ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER>                            1

<S>                                     <C>
<PERIOD-TYPE>                           3-MOS
<FISCAL-YEAR-END>                                         JUN-30-2000
<PERIOD-END>                                              SEP-30-1999
<CASH>                                                    1,760,006
<INT-BEARING-DEPOSITS>                                      178,342
<FED-FUNDS-SOLD>                                                  0
<TRADING-ASSETS>                                                  0
<INVESTMENTS-HELD-FOR-SALE>                                       0
<INVESTMENTS-CARRYING>                                        4,186
<INVESTMENTS-MARKET>                                          4,186
<LOANS>                                                  81,110,046
<ALLOWANCE>                                                 473,129
<TOTAL-ASSETS>                                           86,647,742
<DEPOSITS>                                               45,172,572
<SHORT-TERM>                                                      0
<LIABILITIES-OTHER>                                       1,463,959
<LONG-TERM>                                              26,662,989
<COMMON>                                                     16,313
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<OTHER-SE>                                               13,331,909
<TOTAL-LIABILITIES-AND-EQUITY>                           86,647,742
<INTEREST-LOAN>                                           1,621,519
<INTEREST-INVEST>                                                75
<INTEREST-OTHER>                                             36,819
<INTEREST-TOTAL>                                          1,658,413
<INTEREST-DEPOSIT>                                          408,878
<INTEREST-EXPENSE>                                          798,869
<INTEREST-INCOME-NET>                                       859,544
<LOAN-LOSSES>                                                18,000
<SECURITIES-GAINS>                                                0
<EXPENSE-OTHER>                                             571,293
<INCOME-PRETAX>                                             417,280
<INCOME-PRE-EXTRAORDINARY>                                  273,280
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                273,280
<EPS-BASIC>                                                  0.23
<EPS-DILUTED>                                                  0.22
<YIELD-ACTUAL>                                                    0
<LOANS-NON>                                                 158,432
<LOANS-PAST>                                                291,208
<LOANS-TROUBLED>                                                  0
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                            452,308
<CHARGE-OFFS>                                                     0
<RECOVERIES>                                                  2,821
<ALLOWANCE-CLOSE>                                           473,129
<ALLOWANCE-DOMESTIC>                                              0
<ALLOWANCE-FOREIGN>                                               0
<ALLOWANCE-UNALLOCATED>                                           0


</TABLE>