<ARTICLE> 9
<LEGEND>
This schedule contains summary information extracted from the Form 10-QSB and is
qualified in its entirety by reference to the unaudited financial statements
contained therein.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           2,293
<INT-BEARING-DEPOSITS>                           9,715
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     32,742
<INVESTMENTS-CARRYING>                           5,290
<INVESTMENTS-MARKET>                             4,345
<LOANS>                                         78,986
<ALLOWANCE>                                        430
<TOTAL-ASSETS>                                 131,800
<DEPOSITS>                                     100,135
<SHORT-TERM>                                    12,000
<LIABILITIES-OTHER>                              (149)
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            16
<OTHER-SE>                                      19,798
<TOTAL-LIABILITIES-AND-EQUITY>                 131,800
<INTEREST-LOAN>                                  3,050
<INTEREST-INVEST>                                1,217
<INTEREST-OTHER>                                   239
<INTEREST-TOTAL>                                 4,341
<INTEREST-DEPOSIT>                               1,987
<INTEREST-EXPENSE>                               2,207
<INTEREST-INCOME-NET>                            2,134
<LOAN-LOSSES>                                        9
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,586
<INCOME-PRETAX>                                    681
<INCOME-PRE-EXTRAORDINARY>                         681
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       492
<EPS-BASIC>                                        .35
<EPS-DILUTED>                                      .35
<YIELD-ACTUAL>                                     .77
<LOANS-NON>                                        653
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   431
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  430
<ALLOWANCE-DOMESTIC>                               430
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0