<ARTICLE>                  9
<LEGEND>
The schedule contains summary financial information extracted from the quarterly
report on Form  10-QSB for the fiscal  quarter  ended  December  31,1999  and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                                    1000

                                       
<PERIOD-TYPE>                                   3-MOS
<FISCAL-YEAR-END>                            JUN-30-1999
<PERIOD-END>                                 DEC-31-1999
<CASH>                                           1,296
<INT-BEARING-DEPOSITS>                             685
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,215
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         79,810
<ALLOWANCE>                                        250
<TOTAL-ASSETS>                                  91,400
<DEPOSITS>                                      54,538
<SHORT-TERM>                                     1,100
<LIABILITIES-OTHER>                                920
<LONG-TERM>                                     18,731
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             9
<OTHER-SE>                                      16,110
<TOTAL-LIABILITIES-AND-EQUITY>                  91,400
<INTEREST-LOAN>                                  1,647
<INTEREST-INVEST>                                   66
<INTEREST-OTHER>                                    16
<INTEREST-TOTAL>                                 1,730
<INTEREST-DEPOSIT>                                 672
<INTEREST-EXPENSE>                                 281
<INTEREST-INCOME-NET>                              776
<LOAN-LOSSES>                                        9
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    543
<INCOME-PRETAX>                                    386
<INCOME-PRE-EXTRAORDINARY>                         386
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       255
<EPS-BASIC>                                     0.17
<EPS-DILUTED>                                     0.17
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        204
<LOANS-PAST>                                       680
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   251
<CHARGE-OFFS>                                       10
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  250
<ALLOWANCE-DOMESTIC>                               250
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            250