<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>                             1

                                  
<PERIOD-TYPE>                            9-MOS
<FISCAL-YEAR-END>                        JUN-30-2000
<PERIOD-END>                             MAR-31-2000
<CASH>                                     308,798
<INT-BEARING-DEPOSITS>                   1,487,283
<FED-FUNDS-SOLD>                                 0
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>              3,545,323
<INVESTMENTS-CARRYING>                  15,230,869
<INVESTMENTS-MARKET>                    18,090,270
<LOANS>                                 19,430,120
<ALLOWANCE>                                155,000
<TOTAL-ASSETS>                          42,636,315
<DEPOSITS>                              34,475,983
<SHORT-TERM>                             3,000,000
<LIABILITIES-OTHER>                        320,527
<LONG-TERM>                                      0
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<COMMON>                                    33,060
<OTHER-SE>                                       0
<TOTAL-LIABILITIES-AND-EQUITY>                   0
<INTEREST-LOAN>                          1,079,883
<INTEREST-INVEST>                          928,856
<INTEREST-OTHER>                            71,799
<INTEREST-TOTAL>                         2,080,538
<INTEREST-DEPOSIT>                       1,091,208
<INTEREST-EXPENSE>                       1,161,471
<INTEREST-INCOME-NET>                      919,067
<LOAN-LOSSES>                                    0
<SECURITIES-GAINS>                           4,037
<EXPENSE-OTHER>                            868,333
<INCOME-PRETAX>                            173,675
<INCOME-PRE-EXTRAORDINARY>                 173,675
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                               115,637
<EPS-BASIC>                                    .43
<EPS-DILUTED>                                  .43
<YIELD-ACTUAL>                                3.03
<LOANS-NON>                                      0
<LOANS-PAST>                                     0
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                           161,321
<CHARGE-OFFS>                                6,321
<RECOVERIES>                                     0
<ALLOWANCE-CLOSE>                          155,000
<ALLOWANCE-DOMESTIC>                             0
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0