<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>                                 9-MOS
<FISCAL-YEAR-END>                             JUN-30-2000
<PERIOD-END>                                  MAR-31-2000
<CASH>                                          3,320
<INT-BEARING-DEPOSITS>                          1,249
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    48,620
<INVESTMENTS-CARRYING>                          1,680
<INVESTMENTS-MARKET>                                0
<LOANS>                                       106,028
<ALLOWANCE>                                       535
<TOTAL-ASSETS>                                167,383
<DEPOSITS>                                     82,658
<SHORT-TERM>                                   70,952
<LIABILITIES-OTHER>                             1,402
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                           92
<OTHER-SE>                                     12,278
<TOTAL-LIABILITIES-AND-EQUITY>                167,383
<INTEREST-LOAN>                                 6,394
<INTEREST-INVEST>                               2,121
<INTEREST-OTHER>                                  193
<INTEREST-TOTAL>                                8,708
<INTEREST-DEPOSIT>                              2,385
<INTEREST-EXPENSE>                              5,125
<INTEREST-INCOME-NET>                           3,583
<LOAN-LOSSES>                                     130
<SECURITIES-GAINS>                                (66)
<EXPENSE-OTHER>                                 2,108
<INCOME-PRETAX>                                 1,511
<INCOME-PRE-EXTRAORDINARY>                      1,511
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      977
<EPS-BASIC>                                      1.06
<EPS-DILUTED>                                    1.04
<YIELD-ACTUAL>                                   3.18
<LOANS-NON>                                       761
<LOANS-PAST>                                        5
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                 2,618
<ALLOWANCE-OPEN>                                  443
<CHARGE-OFFS>                                      40
<RECOVERIES>                                        1
<ALLOWANCE-CLOSE>                                 535
<ALLOWANCE-DOMESTIC>                              535
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0