<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> JUN-30-2001 <PERIOD-START> JUL-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 3,068,334 <INT-BEARING-DEPOSITS> 427,890 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 129,781,126 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 140,532,085 <ALLOWANCE> 1,326,312 <TOTAL-ASSETS> 292,245,639 <DEPOSITS> 148,528,875 <SHORT-TERM> 29,430,000 <LIABILITIES-OTHER> 2,150,927 <LONG-TERM> 82,997,504 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 26,450 <OTHER-SE> 29,111,883 <TOTAL-LIABILITIES-AND-EQUITY> 292,245,639 <INTEREST-LOAN> 2,919,182 <INTEREST-INVEST> 2,059,654 <INTEREST-OTHER> 113,822 <INTEREST-TOTAL> 5,092,658 <INTEREST-DEPOSIT> 1,879,637 <INTEREST-EXPENSE> 3,625,782 <INTEREST-INCOME-NET> 1,466,876 <LOAN-LOSSES> 116,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,705,289 <INCOME-PRETAX> (30,904) <INCOME-PRE-EXTRAORDINARY> (30,904) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 76,096 <EPS-BASIC> 0.04 <EPS-DILUTED> 0.04 <YIELD-ACTUAL> 7.40 <LOANS-NON> 838,362 <LOANS-PAST> 1,760 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,705,248 <ALLOWANCE-OPEN> 1,261,709 <CHARGE-OFFS> 21,397 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,326,312 <ALLOWANCE-DOMESTIC> 1,326,312 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0