<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>                                        1,039
<INT-BEARING-DEPOSITS>                        5,489
<FED-FUNDS-SOLD>                                  0
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                   9,814
<INVESTMENTS-CARRYING>                        3,429
<INVESTMENTS-MARKET>                          3,315
<LOANS>                                     120,947
<ALLOWANCE>                                     659
<TOTAL-ASSETS>                              146,801
<DEPOSITS>                                  117,884
<SHORT-TERM>                                  2,500
<LIABILITIES-OTHER>                             593
<LONG-TERM>                                  11,000
<PREFERRED-MANDATORY>                             0
<PREFERRED>                                       0
<COMMON>                                        108
<OTHER-SE>                                   14,715
<TOTAL-LIABILITIES-AND-EQUITY>              146,801
<INTEREST-LOAN>                               7,068
<INTEREST-INVEST>                               838
<INTEREST-OTHER>                                  0
<INTEREST-TOTAL>                              7,906
<INTEREST-DEPOSIT>                            3,651
<INTEREST-EXPENSE>                            4,210
<INTEREST-INCOME-NET>                         3,695
<LOAN-LOSSES>                                   126
<SECURITIES-GAINS>                                0
<EXPENSE-OTHER>                               3,048
<INCOME-PRETAX>                               1,036
<INCOME-PRE-EXTRAORDINARY>                    1,036
<EXTRAORDINARY>                                   0
<CHANGES>                                         0
<NET-INCOME>                                    630
<EPS-BASIC>                                    0.70
<EPS-DILUTED>                                  0.70
<YIELD-ACTUAL>                                 3.71
<LOANS-NON>                                     355
<LOANS-PAST>                                    191
<LOANS-TROUBLED>                                  0
<LOANS-PROBLEM>                                   0
<ALLOWANCE-OPEN>                                582
<CHARGE-OFFS>                                    53
<RECOVERIES>                                      4
<ALLOWANCE-CLOSE>                               659
<ALLOWANCE-DOMESTIC>                            659
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                           0