<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-END>                               DEC-31-1999
<CASH>                                       2,033,514
<INT-BEARING-DEPOSITS>                       8,547,474
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                         237,599
<INVESTMENTS-MARKET>                           238,000
<LOANS>                                    150,283,277
<ALLOWANCE>                                    956,000
<TOTAL-ASSETS>                             170,367,002
<DEPOSITS>                                 105,954,553
<SHORT-TERM>                                33,450,000
<LIABILITIES-OTHER>                          1,355,367
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                           10,319
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                  16,661,565
<TOTAL-LIABILITIES-AND-EQUITY>             170,367,002
<INTEREST-LOAN>                              6,274,554
<INTEREST-INVEST>                                1,983
<INTEREST-OTHER>                               170,942
<INTEREST-TOTAL>                             6,447,479
<INTEREST-DEPOSIT>                           2,341,014
<INTEREST-EXPENSE>                           3,378,149
<INTEREST-INCOME-NET>                        3,069,330
<LOAN-LOSSES>                                   66,304
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                516,578
<INCOME-PRETAX>                                904,945
<INCOME-PRE-EXTRAORDINARY>                     570,300
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   570,300
<EPS-BASIC>                                       0.65
<EPS-DILUTED>                                     0.65
<YIELD-ACTUAL>                                    8.53
<LOANS-NON>                                    438,507
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               927,000
<CHARGE-OFFS>                                   55,493
<RECOVERIES>                                    13,189
<ALLOWANCE-CLOSE>                              956,000
<ALLOWANCE-DOMESTIC>                           956,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0