<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000

<S>                                                                          <C>
<PERIOD-TYPE>                                                              3-MOS
<FISCAL-YEAR-END>                                                    JUN-30-2001
<PERIOD-START>                                                       JUL-01-2000
<PERIOD-END>                                                         SEP-30-2000
<CASH>                                                                     2,515
<INT-BEARING-DEPOSITS>                                                       255
<FED-FUNDS-SOLD>                                                             265
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               13,557
<INVESTMENTS-CARRYING>                                                     4,037
<INVESTMENTS-MARKET>                                                       3,972
<LOANS>                                                                   94,883
<ALLOWANCE>                                                                  511
<TOTAL-ASSETS>                                                           118,432
<DEPOSITS>                                                                79,785
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                          552
<LONG-TERM>                                                               27,096
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                      17
<OTHER-SE>                                                                10,982
<TOTAL-LIABILITIES-AND-EQUITY>                                           118,432
<INTEREST-LOAN>                                                            1,884
<INTEREST-INVEST>                                                            316
<INTEREST-OTHER>                                                              17
<INTEREST-TOTAL>                                                           2,217
<INTEREST-DEPOSIT>                                                           890
<INTEREST-EXPENSE>                                                         1,345
<INTEREST-INCOME-NET>                                                        872
<LOAN-LOSSES>                                                                 46
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                              551
<INCOME-PRETAX>                                                              330
<INCOME-PRE-EXTRAORDINARY>                                                   219
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 219
<EPS-BASIC>                                                                  .20
<EPS-DILUTED>                                                                .19
<YIELD-ACTUAL>                                                              3.02
<LOANS-NON>                                                                    0
<LOANS-PAST>                                                                 540
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             484
<CHARGE-OFFS>                                                                 15
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                            511
<ALLOWANCE-DOMESTIC>                                                          53
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      458



</TABLE>