<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 DECEMBER 31, 1999 AND IS QUALIFIED IN IT'S ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER>                     1

<S>                              <C>
<PERIOD-TYPE>                    6-MOS
<FISCAL-YEAR-END>                                              JUN-30-2000
<PERIOD-END>                                                   DEC-31-1999
<CASH>                                                         2,099,696
<INT-BEARING-DEPOSITS>                                           409,965
<FED-FUNDS-SOLD>                                                       0
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                            0
<INVESTMENTS-CARRYING>                                             3,610
<INVESTMENTS-MARKET>                                                   0
<LOANS>                                                       82,867,122
<ALLOWANCE>                                                      490,014
<TOTAL-ASSETS>                                                89,020,851
<DEPOSITS>                                                    46,308,321
<SHORT-TERM>                                                           0
<LIABILITIES-OTHER>                                              888,616
<LONG-TERM>                                                   28,257,909
<COMMON>                                                          16,313
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<OTHER-SE>                                                    13,549,692
<TOTAL-LIABILITIES-AND-EQUITY>                                89,020,851
<INTEREST-LOAN>                                                3,298,373
<INTEREST-INVEST>                                                    140
<INTEREST-OTHER>                                                  81,492
<INTEREST-TOTAL>                                               3,379,975
<INTEREST-DEPOSIT>                                               820,870
<INTEREST-EXPENSE>                                             1,640,571
<INTEREST-INCOME-NET>                                          1,739,404
<LOAN-LOSSES>                                                     36,000
<SECURITIES-GAINS>                                                     0
<EXPENSE-OTHER>                                                1,214,575
<INCOME-PRETAX>                                                  768,639
<INCOME-PRE-EXTRAORDINARY>                                       497,639
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                     497,639
<EPS-BASIC>                                                       0.42
<EPS-DILUTED>                                                       0.41
<YIELD-ACTUAL>                                                         0
<LOANS-NON>                                                       81,135
<LOANS-PAST>                                                     273,949
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                        0
<ALLOWANCE-OPEN>                                                 452,308
<CHARGE-OFFS>                                                      1,179
<RECOVERIES>                                                       2,885
<ALLOWANCE-CLOSE>                                                490,014
<ALLOWANCE-DOMESTIC>                                                   0
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                                0


</TABLE>