<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>                                 3-MOS
<FISCAL-YEAR-END>                             JUN-30-2001
<PERIOD-END>                                  SEP-30-2000
<CASH>                                          2,824
<INT-BEARING-DEPOSITS>                            862
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    54,326
<INVESTMENTS-CARRYING>                         55,238
<INVESTMENTS-MARKET>                           56,008
<LOANS>                                       115,070
<ALLOWANCE>                                       579
<TOTAL-ASSETS>                                181,891
<DEPOSITS>                                     79,923
<SHORT-TERM>                                   87,163
<LIABILITIES-OTHER>                             1,522
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                           94
<OTHER-SE>                                     13,189
<TOTAL-LIABILITIES-AND-EQUITY>                181,891
<INTEREST-LOAN>                                 2,409
<INTEREST-INVEST>                                 935
<INTEREST-OTHER>                                   85
<INTEREST-TOTAL>                                3,429
<INTEREST-DEPOSIT>                                870
<INTEREST-EXPENSE>                              2,258
<INTEREST-INCOME-NET>                           1,171
<LOAN-LOSSES>                                      70
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   689
<INCOME-PRETAX>                                   509
<INCOME-PRE-EXTRAORDINARY>                        509
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      349
<EPS-BASIC>                                       .39
<EPS-DILUTED>                                     .38
<YIELD-ACTUAL>                                   2.69
<LOANS-NON>                                       616
<LOANS-PAST>                                       64
<LOANS-TROUBLED>                                  151
<LOANS-PROBLEM>                                 2,508
<ALLOWANCE-OPEN>                                  512
<CHARGE-OFFS>                                       3
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 579
<ALLOWANCE-DOMESTIC>                              579
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0