<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000

<S>                                                                          <C>
<PERIOD-TYPE>                                                              9-MOS
<FISCAL-YEAR-END>                                                    JUN-30-2000
<PERIOD-START>                                                       JUL-01-1999
<PERIOD-END>                                                         MAR-31-2000
<CASH>                                                                     2,516
<INT-BEARING-DEPOSITS>                                                        22
<FED-FUNDS-SOLD>                                                             355
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               15,540
<INVESTMENTS-CARRYING>                                                     4,388
<INVESTMENTS-MARKET>                                                       4,319
<LOANS>                                                                   93,638
<ALLOWANCE>                                                                  474
<TOTAL-ASSETS>                                                           119,654
<DEPOSITS>                                                                81,377
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                          492
<LONG-TERM>                                                               27,004
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                      17
<OTHER-SE>                                                                10,764
<TOTAL-LIABILITIES-AND-EQUITY>                                           119,654
<INTEREST-LOAN>                                                            5,301
<INTEREST-INVEST>                                                            976
<INTEREST-OTHER>                                                              33
<INTEREST-TOTAL>                                                           6,310
<INTEREST-DEPOSIT>                                                         2,618
<INTEREST-EXPENSE>                                                         3,779
<INTEREST-INCOME-NET>                                                      2,531
<LOAN-LOSSES>                                                                 68
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            1,644
<INCOME-PRETAX>                                                              668
<INCOME-PRE-EXTRAORDINARY>                                                   441
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 441
<EPS-BASIC>                                                                  .39
<EPS-DILUTED>                                                                .38
<YIELD-ACTUAL>                                                              2.93
<LOANS-NON>                                                                    0
<LOANS-PAST>                                                                 591
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             591
<CHARGE-OFFS>                                                                164
<RECOVERIES>                                                                   1
<ALLOWANCE-CLOSE>                                                            474
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      474



</TABLE>