<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              JUN-30-2000
<PERIOD-END>                                   SEP-30-1999
<CASH>                                           1,194
<INT-BEARING-DEPOSITS>                           1,800
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,591
<INVESTMENTS-CARRYING>                           3,607
<INVESTMENTS-MARKET>                             3,546
<LOANS>                                        115,021
<ALLOWANCE>                                        606
<TOTAL-ASSETS>                                 137,569
<DEPOSITS>                                     110,591
<SHORT-TERM>                                     2,500
<LIABILITIES-OTHER>                                524
<LONG-TERM>                                      9,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           108
<OTHER-SE>                                      14,845
<TOTAL-LIABILITIES-AND-EQUITY>                 137,569
<INTEREST-LOAN>                                  2,262
<INTEREST-INVEST>                                  261
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 2,523
<INTEREST-DEPOSIT>                               1,169
<INTEREST-EXPENSE>                               1,315
<INTEREST-INCOME-NET>                            1,208
<LOAN-LOSSES>                                       37
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    995
<INCOME-PRETAX>                                    341
<INCOME-PRE-EXTRAORDINARY>                         341
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       205
<EPS-BASIC>                                     0.23
<EPS-DILUTED>                                     0.23
<YIELD-ACTUAL>                                    3.77
<LOANS-NON>                                        535
<LOANS-PAST>                                       165
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   582
<CHARGE-OFFS>                                       14
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  606
<ALLOWANCE-DOMESTIC>                               606
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>