<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> JUN-30-2001 <PERIOD-END> DEC-31-2000 <CASH> 1,176,306 <INT-BEARING-DEPOSITS> 12,187,475 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 84,000 <INVESTMENTS-MARKET> 84,000 <LOANS> 137,309,174 <ALLOWANCE> 3,982,000 <TOTAL-ASSETS> 161,056,150 <DEPOSITS> 133,649,011 <SHORT-TERM> 1,150,000 <LIABILITIES-OTHER> 593,989 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10,319 <OTHER-SE> 15,123,614 <TOTAL-LIABILITIES-AND-EQUITY> 161,056,150 <INTEREST-LOAN> 6,568,428 <INTEREST-INVEST> 7,105 <INTEREST-OTHER> 340,038 <INTEREST-TOTAL> 6,915,571 <INTEREST-DEPOSIT> 3,751,395 <INTEREST-EXPENSE> 4,402,498 <INTEREST-INCOME-NET> 2,513,073 <LOAN-LOSSES> 1,162,649 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 764,109 <INCOME-PRETAX> (947,151) <INCOME-PRE-EXTRAORDINARY> (947,151) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (569,199) <EPS-BASIC> (0.68) <EPS-DILUTED> (0.68) <YIELD-ACTUAL> 8.40 <LOANS-NON> 12,320,533 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,924,000 <CHARGE-OFFS> 118,861 <RECOVERIES> 14,212 <ALLOWANCE-CLOSE> 3,982,000 <ALLOWANCE-DOMESTIC> 3,982,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0