<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> JUN-30-2000 <PERIOD-START> JUL-01-1999 <PERIOD-END> JUN-30-2000 <CASH> 2,314 <INT-BEARING-DEPOSITS> 22,007 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 53,852 <INVESTMENTS-HELD-FOR-SALE> 64,052 <INVESTMENTS-CARRYING> 3,857 <INVESTMENTS-MARKET> 3,875 <LOANS> 272,378 <ALLOWANCE> 1,408 <TOTAL-ASSETS> 435,192 <DEPOSITS> 361,241 <SHORT-TERM> 35,038 <LIABILITIES-OTHER> 8,816 <LONG-TERM> 12,995 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 425 <OTHER-SE> 15,832 <TOTAL-LIABILITIES-AND-EQUITY> 435,192 <INTEREST-LOAN> 20,637 <INTEREST-INVEST> 11,256 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 31,893 <INTEREST-DEPOSIT> 18,226 <INTEREST-EXPENSE> 23,522 <INTEREST-INCOME-NET> 8,371 <LOAN-LOSSES> 587 <SECURITIES-GAINS> (1,405) <EXPENSE-OTHER> 9,627 <INCOME-PRETAX> 3,248 <INCOME-PRE-EXTRAORDINARY> 3,248 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (1,879) <EPS-BASIC> (0.59) <EPS-DILUTED> (0.59) <YIELD-ACTUAL> 1.75 <LOANS-NON> 180 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 868 <CHARGE-OFFS> 587 <RECOVERIES> (47) <ALLOWANCE-CLOSE> 1,408 <ALLOWANCE-DOMESTIC> 1,408 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0