<ARTICLE> 9
<MULTIPLIER>  1,000

                             
<PERIOD-TYPE>                                 3-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-END>                               SEP-30-1999
<CASH>                                            660
<INT-BEARING-DEPOSITS>                            807
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    13,488
<INVESTMENTS-CARRYING>                         10,758
<INVESTMENTS-MARKET>                           10,621
<LOANS>                                        47,610
<ALLOWANCE>                                       413
<TOTAL-ASSETS>                                 76,634
<DEPOSITS>                                     55,224
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                               781
<LONG-TERM>                                     7,033
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                           14
<OTHER-SE>                                     13,582
<TOTAL-LIABILITIES-AND-EQUITY>                 76,634
<INTEREST-LOAN>                                   956
<INTEREST-INVEST>                                 383
<INTEREST-OTHER>                                   29
<INTEREST-TOTAL>                                1,368
<INTEREST-DEPOSIT>                                569
<INTEREST-EXPENSE>                                658
<INTEREST-INCOME-NET>                             710
<LOAN-LOSSES>                                       9
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   428
<INCOME-PRETAX>                                   325
<INCOME-PRE-EXTRAORDINARY>                        231
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      231
<EPS-BASIC>                                     .21
<EPS-DILUTED>                                     .21
<YIELD-ACTUAL>                                   3.78
<LOANS-NON>                                       604
<LOANS-PAST>                                      115
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  414
<CHARGE-OFFS>                                      10
<RECOVERIES>                                        9
<ALLOWANCE-CLOSE>                                 413
<ALLOWANCE-DOMESTIC>                              150
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           263