<ARTICLE>                                            9
<LEGEND>
THIS LEGEND CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-QSB FOR  THE
QUARTER ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY  BY  REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                  1

                             
<PERIOD-TYPE>                             3-MOS
<FISCAL-YEAR-END>                         JUN-30-2000
<PERIOD-END>                              SEP-30-1999
<CASH>                                      3,263,235
<INT-BEARING-DEPOSITS>                     35,404,343
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                 5,059,735
<INVESTMENTS-CARRYING>                     44,539,923
<INVESTMENTS-MARKET>                       44,428,684
<LOANS>                                    49,490,730
<ALLOWANCE>                                   367,425
<TOTAL-ASSETS>                            142,039,248
<DEPOSITS>                                131,785,246
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                         1,255,085
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                           3,640
<PREFERRED>                                         0
<COMMON>                                            0
<OTHER-SE>                                  8,995,277
<TOTAL-LIABILITIES-AND-EQUITY>            142,039,248
<INTEREST-LOAN>                               896,398
<INTEREST-INVEST>                           1,109,111
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                            2,005,509
<INTEREST-DEPOSIT>                          1,185,824
<INTEREST-EXPENSE>                          1,185,824
<INTEREST-INCOME-NET>                         819,685
<LOAN-LOSSES>                                       0
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                               978,031
<INCOME-PRETAX>                                72,604
<INCOME-PRE-EXTRAORDINARY>                     72,604
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                   48,193
<EPS-BASIC>                                    0.13
<EPS-DILUTED>                                    0.13
<YIELD-ACTUAL>                                   2.50
<LOANS-NON>                                   533,404
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                              365,863
<CHARGE-OFFS>                                       0
<RECOVERIES>                                    1,562
<ALLOWANCE-CLOSE>                             367,425
<ALLOWANCE-DOMESTIC>                          178,753
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                       188,672