<TABLE> <S> <C>


<ARTICLE>                                                                9
<MULTIPLIER>                                                         1,000

<S>                                                                    <C>
<PERIOD-TYPE>                                                        3-MOS
<FISCAL-YEAR-END>                                              JUN-30-2000
<PERIOD-START>                                                 JUL-01-1999
<PERIOD-END>                                                   SEP-30-1999
<CASH>                                                               1,880
<INT-BEARING-DEPOSITS>                                                 592
<FED-FUNDS-SOLD>                                                       309
<TRADING-ASSETS>                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                         15,546
<INVESTMENTS-CARRYING>                                               4,565
<INVESTMENTS-MARKET>                                                 4,514
<LOANS>                                                             92,873
<ALLOWANCE>                                                            582
<TOTAL-ASSETS>                                                     118,732
<DEPOSITS>                                                          80,131
<SHORT-TERM>                                                             0
<LIABILITIES-OTHER>                                                    600
<LONG-TERM>                                                         27,273
<PREFERRED-MANDATORY>                                                    0
<PREFERRED>                                                              0
<COMMON>                                                                17
<OTHER-SE>                                                          10,711
<TOTAL-LIABILITIES-AND-EQUITY>                                     118,732
<INTEREST-LOAN>                                                      1,748
<INTEREST-INVEST>                                                      317
<INTEREST-OTHER>                                                         9
<INTEREST-TOTAL>                                                     2,074
<INTEREST-DEPOSIT>                                                     877
<INTEREST-EXPENSE>                                                   1,221
<INTEREST-INCOME-NET>                                                  853
<LOAN-LOSSES>                                                           22
<SECURITIES-GAINS>                                                       0
<EXPENSE-OTHER>                                                        523
<INCOME-PRETAX>                                                        378
<INCOME-PRE-EXTRAORDINARY>                                             252
<EXTRAORDINARY>                                                          0
<CHANGES>                                                                0
<NET-INCOME>                                                           252
<EPS-BASIC>                                                          .22
<EPS-DILUTED>                                                          .22
<YIELD-ACTUAL>                                                        2.96
<LOANS-NON>                                                              0
<LOANS-PAST>                                                           765
<LOANS-TROUBLED>                                                         0
<LOANS-PROBLEM>                                                          0
<ALLOWANCE-OPEN>                                                       591
<CHARGE-OFFS>                                                           31
<RECOVERIES>                                                             0
<ALLOWANCE-CLOSE>                                                      582
<ALLOWANCE-DOMESTIC>                                                     0
<ALLOWANCE-FOREIGN>                                                      0
<ALLOWANCE-UNALLOCATED>                                                582



</TABLE>