<ARTICLE> 9
<MULTIPLIER>  1

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                            JUN-30-2000
<PERIOD-END>                                 MAR-31-2000
<CASH>                                         4,190,965
<INT-BEARING-DEPOSITS>                         1,042,840
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                            0
<INVESTMENTS-CARRYING>                         2,920,097
<INVESTMENTS-MARKET>                           2,918,612
<LOANS>                                      111,809,896
<ALLOWANCE>                                      955,954
<TOTAL-ASSETS>                               128,540,740
<DEPOSITS>                                    79,178,611
<SHORT-TERM>                                  14,250,000
<LIABILITIES-OTHER>                              933,932
<LONG-TERM>                                   17,995,000
<COMMON>                                          10,913
<PREFERRED-MANDATORY>                                  0
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<OTHER-SE>                                    16,172,284
<TOTAL-LIABILITIES-AND-EQUITY>               128,540,740
<INTEREST-LOAN>                                6,634,385
<INTEREST-INVEST>                                148,190
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<INTEREST-TOTAL>                               6,921,915
<INTEREST-DEPOSIT>                             2,100,736
<INTEREST-EXPENSE>                             3,194,423
<INTEREST-INCOME-NET>                          3,727,423
<LOAN-LOSSES>                                    149,800
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                2,722,236
<INCOME-PRETAX>                                1,260,950
<INCOME-PRE-EXTRAORDINARY>                       765,228
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                     765,228
<EPS-BASIC>                                       0.67
<EPS-DILUTED>                                       0.67
<YIELD-ACTUAL>                                      8.33
<LOANS-NON>                                      627,000
<LOANS-PAST>                                     121,000
<LOANS-TROUBLED>                                  28,000
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                 909,471
<CHARGE-OFFS>                                    103,726
<RECOVERIES>                                         209
<ALLOWANCE-CLOSE>                                955,954
<ALLOWANCE-DOMESTIC>                             955,954
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0