<TABLE> <S> <C>

<ARTICLE>                               9
<LEGEND>
THE FOLLOWING  SCHEDULE CONTAINS SUMMARY FINANCIAL  EXTRACTED FROM THE FINANCIAL
STATEMENTS CONTAINED IN THE REGISTRANT'S QUARTERLY REPORT ON FORM 10-QSB FOR THE
PERIOD ENDED MARCH 31, 2000 AND IS  QUALIFIED  IN IT'S  ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER>                            1

<S>                                     <C>
<PERIOD-TYPE>                           9-MOS
<FISCAL-YEAR-END>                                  JUN-30-2000
<PERIOD-END>                                       MAR-31-2000
<CASH>                                               1,518,408
<INT-BEARING-DEPOSITS>                               1,111,457
<FED-FUNDS-SOLD>                                             0
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                                  0
<INVESTMENTS-CARRYING>                                   3,177
<INVESTMENTS-MARKET>                                     3,177
<LOANS>                                             84,522,767
<ALLOWANCE>                                            507,513
<TOTAL-ASSETS>                                      91,218,910
<DEPOSITS>                                          48,187,904
<SHORT-TERM>                                                 0
<LIABILITIES-OTHER>                                  1,376,971
<LONG-TERM>                                         27,845,972
<COMMON>                                                16,310
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<OTHER-SE>                                          13,791,753
<TOTAL-LIABILITIES-AND-EQUITY>                      91,218,910
<INTEREST-LOAN>                                      5,003,704
<INTEREST-INVEST>                                          277
<INTEREST-OTHER>                                       130,871
<INTEREST-TOTAL>                                     5,134,852
<INTEREST-DEPOSIT>                                   1,245,282
<INTEREST-EXPENSE>                                   2,501,474
<INTEREST-INCOME-NET>                                2,633,378
<LOAN-LOSSES>                                           54,000
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                      1,747,068
<INCOME-PRETAX>                                      1,229,314
<INCOME-PRE-EXTRAORDINARY>                             799,314
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                           799,314
<EPS-BASIC>                                             0.67
<EPS-DILUTED>                                             0.66
<YIELD-ACTUAL>                                               0
<LOANS-NON>                                             80,942
<LOANS-PAST>                                           198,206
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                       452,308
<CHARGE-OFFS>                                            1,857
<RECOVERIES>                                             3,062
<ALLOWANCE-CLOSE>                                      507,513
<ALLOWANCE-DOMESTIC>                                   375,513
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                132,000


</TABLE>