<ARTICLE> 9 <MULTIPLIER> 1 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> JUN-30-2000 <PERIOD-END> JUN-30-2000 <CASH> 16,611,443 <INT-BEARING-DEPOSITS> 3,555,263 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 117,326,062 <INVESTMENTS-CARRYING> 23,737,311 <INVESTMENTS-MARKET> 23,067,005 <LOANS> 508,484,012 <ALLOWANCE> 3,394,448 <TOTAL-ASSETS> 723,381,517 <DEPOSITS> 471,625,531 <SHORT-TERM> 88,268,243 <LIABILITIES-OTHER> 9,622,568 <LONG-TERM> 85,752,256 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 48,336 <OTHER-SE> 68,064,583 <TOTAL-LIABILITIES-AND-EQUITY> 723,381,517 <INTEREST-LOAN> 37,145,258 <INTEREST-INVEST> 10,676,264 <INTEREST-OTHER> 151,037 <INTEREST-TOTAL> 47,972,559 <INTEREST-DEPOSIT> 20,520,340 <INTEREST-EXPENSE> 29,813,521 <INTEREST-INCOME-NET> 18,159,038 <LOAN-LOSSES> 554,000 <SECURITIES-GAINS> (169,856) <EXPENSE-OTHER> 16,598,103 <INCOME-PRETAX> 7,516,651 <INCOME-PRE-EXTRAORDINARY> 4,875,651 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,875,651 <EPS-BASIC> 1.07 <EPS-DILUTED> 1.07 <YIELD-ACTUAL> 2.81 <LOANS-NON> 15,000 <LOANS-PAST> 2,093,000 <LOANS-TROUBLED> 433,557 <LOANS-PROBLEM> 551,337 <ALLOWANCE-OPEN> 3,134,664 <CHARGE-OFFS> 380,133 <RECOVERIES> 85,917 <ALLOWANCE-CLOSE> 3,394,448 <ALLOWANCE-DOMESTIC> 3,394,448 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0