<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     ANNUAL  REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1

                                         
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              JUN-30-2000
<PERIOD-END>                                   DEC-31-2000
<CASH>                                           451,966
<INT-BEARING-DEPOSITS>                           543,889
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                    3,458,578
<INVESTMENTS-CARRYING>                        15,283,390
<INVESTMENTS-MARKET>                          17,805,049
<LOANS>                                       19,176,877
<ALLOWANCE>                                      161,321
<TOTAL-ASSETS>                                41,521,102
<DEPOSITS>                                    34,354,717
<SHORT-TERM>                                   2,000,000
<LIABILITIES-OTHER>                              412,495
<LONG-TERM>                                            0
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                          33,060
<OTHER-SE>                                             0
<TOTAL-LIABILITIES-AND-EQUITY>                         0
<INTEREST-LOAN>                                  706,171
<INTEREST-INVEST>                                633,920
<INTEREST-OTHER>                                  75,993
<INTEREST-TOTAL>                               1,416,084
<INTEREST-DEPOSIT>                               735,207
<INTEREST-EXPENSE>                               768,121
<INTEREST-INCOME-NET>                            647,963
<LOAN-LOSSES>                                          0
<SECURITIES-GAINS>                                 4,037
<EXPENSE-OTHER>                                  601,699
<INCOME-PRETAX>                                  131,346
<INCOME-PRE-EXTRAORDINARY>                       131,346
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                      86,897
<EPS-BASIC>                                          .32
<EPS-DILUTED>                                        .32
<YIELD-ACTUAL>                                      3.25
<LOANS-NON>                                            0
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                 165,482
<CHARGE-OFFS>                                      4,161
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                                161,321
<ALLOWANCE-DOMESTIC>                                   0
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0