<ARTICLE> 9

                              
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                       3,373,476
<INT-BEARING-DEPOSITS>                         818,857
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                135,760,997
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    128,442,211
<ALLOWANCE>                                  1,291,970
<TOTAL-ASSETS>                             286,717,864
<DEPOSITS>                                 141,940,348
<SHORT-TERM>                                24,785,000
<LIABILITIES-OTHER>                          2,741,889
<LONG-TERM>                                 89,851,487
<COMMON>                                        26,450
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  27,372,690
<TOTAL-LIABILITIES-AND-EQUITY>             286,717,864
<INTEREST-LOAN>                              7,769,299
<INTEREST-INVEST>                            6,706,031
<INTEREST-OTHER>                               280,872
<INTEREST-TOTAL>                            14,756,202
<INTEREST-DEPOSIT>                           4,821,932
<INTEREST-EXPENSE>                           9,681,296
<INTEREST-INCOME-NET>                        5,074,906
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              5,588,376
<INCOME-PRETAX>                                217,804
<INCOME-PRE-EXTRAORDINARY>                     217,804
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   354,304
<EPS-BASIC>                                     0.18
<EPS-DILUTED>                                     0.18
<YIELD-ACTUAL>                                    7.12
<LOANS-NON>                                    705,195
<LOANS-PAST>                                    30,502
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,558,211
<ALLOWANCE-OPEN>                             1,329,201
<CHARGE-OFFS>                                   38,284
<RECOVERIES>                                     1,053
<ALLOWANCE-CLOSE>                            1,291,970
<ALLOWANCE-DOMESTIC>                         1,291,970
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0