<ARTICLE>                  9
<LEGEND>
The schedule contains summary financial information extracted from the quarterly
report on Form 10-QSB for the fiscal  quarter  ended  September  30, 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>                                      SEP-30-1999
<CASH>                                                  4,163
<INT-BEARING-DEPOSITS>                                    685
<FED-FUNDS-SOLD>                                            0
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                             2,920
<INVESTMENTS-CARRYING>                                      0
<INVESTMENTS-MARKET>                                        0
<LOANS>                                                75,481
<ALLOWANCE>                                               251
<TOTAL-ASSETS>                                         90,228
<DEPOSITS>                                             54,378
<SHORT-TERM>                                               95
<LIABILITIES-OTHER>                                       928
<LONG-TERM>                                            18,759
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                                    9
<OTHER-SE>                                             16,058
<TOTAL-LIABILITIES-AND-EQUITY>                         90,228
<INTEREST-LOAN>                                         1,507
<INTEREST-INVEST>                                          70
<INTEREST-OTHER>                                           87
<INTEREST-TOTAL>                                        1,663
<INTEREST-DEPOSIT>                                        690
<INTEREST-EXPENSE>                                        275
<INTEREST-INCOME-NET>                                     699
<LOAN-LOSSES>                                               9
<SECURITIES-GAINS>                                          0
<EXPENSE-OTHER>                                           486
<INCOME-PRETAX>                                           366
<INCOME-PRE-EXTRAORDINARY>                                366
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                              245
<EPS-BASIC>                                             .17
<EPS-DILUTED>                                             .16
<YIELD-ACTUAL>                                              0
<LOANS-NON>                                                 0
<LOANS-PAST>                                              570
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                          242
<CHARGE-OFFS>                                               0
<RECOVERIES>                                                0
<ALLOWANCE-CLOSE>                                         251
<ALLOWANCE-DOMESTIC>                                      251
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                   251