<ARTICLE>                                            9

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

<MULTIPLIER>                                   1000

                                       
<PERIOD-TYPE>                                 6-MOS
<FISCAL-YEAR-END>                             JUN-30-2000
<PERIOD-END>                                  DEC-31-1999
<CASH>                                          3,081
<INT-BEARING-DEPOSITS>                          1,033
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    47,429
<INVESTMENTS-CARRYING>                          1,679
<INVESTMENTS-MARKET>                                0
<LOANS>                                       104,141
<ALLOWANCE>                                       498
<TOTAL-ASSETS>                                163,417
<DEPOSITS>                                     79,131
<SHORT-TERM>                                   70,492
<LIABILITIES-OTHER>                             1,410
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                           94
<OTHER-SE>                                     12,290
<TOTAL-LIABILITIES-AND-EQUITY>                163,417
<INTEREST-LOAN>                                 4,172
<INTEREST-INVEST>                               1,334
<INTEREST-OTHER>                                  123
<INTEREST-TOTAL>                                5,629
<INTEREST-DEPOSIT>                              1,577
<INTEREST-EXPENSE>                              3,280
<INTEREST-INCOME-NET>                           2,348
<LOAN-LOSSES>                                      60
<SECURITIES-GAINS>                                  2
<EXPENSE-OTHER>                                 1,381
<INCOME-PRETAX>                                 1,070
<INCOME-PRE-EXTRAORDINARY>                      1,070
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      684
<EPS-BASIC>                                       .73
<EPS-DILUTED>                                     .72
<YIELD-ACTUAL>                                   3.16
<LOANS-NON>                                       649
<LOANS-PAST>                                       53
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                   372
<ALLOWANCE-OPEN>                                  443
<CHARGE-OFFS>                                       6
<RECOVERIES>                                        1
<ALLOWANCE-CLOSE>                                 498
<ALLOWANCE-DOMESTIC>                              498
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0