<ARTICLE> 9
<LEGEND>
All information is at September 30, 1999 or for the three months
ended September 30, 1999
</LEGEND>
<MULTIPLIER>  1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-END>                               SEP-30-1999
<CASH>                                           168
<INT-BEARING-DEPOSITS>                             0
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                        0
<INVESTMENTS-CARRYING>                         2,202
<INVESTMENTS-MARKET>                           2,200
<LOANS>                                      134,740
<ALLOWANCE>                                      100
<TOTAL-ASSETS>                               141,055
<DEPOSITS>                                    83,455
<SHORT-TERM>                                       0
<LIABILITIES-OTHER>                            2,100
<LONG-TERM>                                   34,415
<COMMON>                                          17
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<OTHER-SE>                                    21,068
<TOTAL-LIABILITIES-AND-EQUITY>               141,055
<INTEREST-LOAN>                                2,369
<INTEREST-INVEST>                                 27
<INTEREST-OTHER>                                  40
<INTEREST-TOTAL>                               2,436
<INTEREST-DEPOSIT>                               961
<INTEREST-EXPENSE>                             1,423
<INTEREST-INCOME-NET>                          1,013
<LOAN-LOSSES>                                      0
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                  415
<INCOME-PRETAX>                                  607
<INCOME-PRE-EXTRAORDINARY>                       401
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                     401
<EPS-BASIC>                                   0.27
<EPS-DILUTED>                                   0.26
<YIELD-ACTUAL>                                  2.95
<LOANS-NON>                                        0
<LOANS-PAST>                                     295
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                                 100
<CHARGE-OFFS>                                      0
<RECOVERIES>                                       0
<ALLOWANCE-CLOSE>                                100
<ALLOWANCE-DOMESTIC>                               0
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                          100