<ARTICLE> 9
<MULTIPLIER> 1

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-END>                               DEC-31-1999
<CASH>                                       7,776,735
<INT-BEARING-DEPOSITS>                       4,047,929
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 24,093,686
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    364,171,362
<ALLOWANCE>                                  3,167,000
<TOTAL-ASSETS>                             415,813,719
<DEPOSITS>                                 238,727,661
<SHORT-TERM>                               100,078,044
<LIABILITIES-OTHER>                          2,633,145
<LONG-TERM>                                 46,851,955
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,785,815
<OTHER-SE>                                  24,737,099
<TOTAL-LIABILITIES-AND-EQUITY>             415,813,719
<INTEREST-LOAN>                             14,455,123
<INTEREST-INVEST>                              640,390
<INTEREST-OTHER>                               327,426
<INTEREST-TOTAL>                            15,422,939
<INTEREST-DEPOSIT>                           4,886,065
<INTEREST-EXPENSE>                           8,430,022
<INTEREST-INCOME-NET>                        6,992,917
<LOAN-LOSSES>                                  491,114
<SECURITIES-GAINS>                              25,861
<EXPENSE-OTHER>                              5,205,254
<INCOME-PRETAX>                              2,537,581
<INCOME-PRE-EXTRAORDINARY>                   2,537,581
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,638,465
<EPS-BASIC>                                       0.59
<EPS-DILUTED>                                     0.59
<YIELD-ACTUAL>                                   3.509
<LOANS-NON>                                  1,715,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               180,293
<LOANS-PROBLEM>                                372,000
<ALLOWANCE-OPEN>                             2,924,000
<CHARGE-OFFS>                                  351,598
<RECOVERIES>                                   103,484
<ALLOWANCE-CLOSE>                            3,167,000
<ALLOWANCE-DOMESTIC>                           107,800
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      3,059,200