<ARTICLE>                                   9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  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>                                          2,324
<INT-BEARING-DEPOSITS>                          2,563
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     9,842
<INVESTMENTS-CARRYING>                          3,525
<INVESTMENTS-MARKET>                            3,414
<LOANS>                                       118,262
<ALLOWANCE>                                       607
<TOTAL-ASSETS>                                143,198
<DEPOSITS>                                    112,042
<SHORT-TERM>                                    2,500
<LIABILITIES-OTHER>                               543
<LONG-TERM>                                    13,500
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          108
<OTHER-SE>                                     14,505
<TOTAL-LIABILITIES-AND-EQUITY>                143,198
<INTEREST-LOAN>                                 4,633
<INTEREST-INVEST>                                 545
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                5,178
<INTEREST-DEPOSIT>                              2,387
<INTEREST-EXPENSE>                              2,739
<INTEREST-INCOME-NET>                           2,440
<LOAN-LOSSES>                                      75
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 2,028
<INCOME-PRETAX>                                   680
<INCOME-PRE-EXTRAORDINARY>                          0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      414
<EPS-BASIC>                                      0.46
<EPS-DILUTED>                                    0.46
<YIELD-ACTUAL>                                   3.72
<LOANS-NON>                                       237
<LOANS-PAST>                                      188
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  582
<CHARGE-OFFS>                                      53
<RECOVERIES>                                        3
<ALLOWANCE-CLOSE>                                 607
<ALLOWANCE-DOMESTIC>                              607
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           607