<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>                                  3-MOS
<FISCAL-YEAR-END>                              JUN-30-2000
<PERIOD-END>                                   SEP-30-1999
<CASH>                                            376,547
<INT-BEARING-DEPOSITS>                            888,747
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                     3,563,663
<INVESTMENTS-CARRYING>                         15,413,158
<INVESTMENTS-MARKET>                           18,390,377
<LOANS>                                        18,342,747
<ALLOWANCE>                                       167,482
<TOTAL-ASSETS>                                 41,159,036
<DEPOSITS>                                     35,237,751
<SHORT-TERM>                                            0
<LIABILITIES-OTHER>                               255,233
<LONG-TERM>                                     1,000,000
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                           33,060
<OTHER-SE>                                      2,655,726
<TOTAL-LIABILITIES-AND-EQUITY>                 41,159,036
<INTEREST-LOAN>                                   351,967
<INTEREST-INVEST>                                 308,860
<INTEREST-OTHER>                                   46,859
<INTEREST-TOTAL>                                  707,686
<INTEREST-DEPOSIT>                                376,790
<INTEREST-EXPENSE>                                391,240
<INTEREST-INCOME-NET>                             316,446
<LOAN-LOSSES>                                           0
<SECURITIES-GAINS>                                  6,169
<EXPENSE-OTHER>                                   299,948
<INCOME-PRETAX>                                    61,516
<INCOME-PRE-EXTRAORDINARY>                         61,516
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                       40,700
<EPS-BASIC>                                         .15
<EPS-DILUTED>                                         .15
<YIELD-ACTUAL>                                       3.34
<LOANS-NON>                                             0
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                  165,482
<CHARGE-OFFS>                                           0
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                 165,482
<ALLOWANCE-DOMESTIC>                                    0
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0