<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-START>                             JUL-01-1999
<PERIOD-END>                               MAR-31-2000
<CASH>                                         548,492
<INT-BEARING-DEPOSITS>                       1,599,815
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,090,194
<INVESTMENTS-CARRYING>                         270,501
<INVESTMENTS-MARKET>                           270,501
<LOANS>                                     49,217,583
<ALLOWANCE>                                    337,445
<TOTAL-ASSETS>                              55,364,732
<DEPOSITS>                                  28,958,365
<SHORT-TERM>                                 9,925,000
<LIABILITIES-OTHER>                            713,202
<LONG-TERM>                                  3,180,728
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,588
<OTHER-SE>                                  12,038,717
<TOTAL-LIABILITIES-AND-EQUITY>              55,364,792
<INTEREST-LOAN>                              3,005,140
<INTEREST-INVEST>                              118,953
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             3,124,093
<INTEREST-DEPOSIT>                           1,115,015
<INTEREST-EXPENSE>                           1,589,519
<INTEREST-INCOME-NET>                        1,534,574
<LOAN-LOSSES>                                   35,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                974,023
<INCOME-PRETAX>                                554,979
<INCOME-PRE-EXTRAORDINARY>                     554,979
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   363,141
<EPS-BASIC>                                       0.44
<EPS-DILUTED>                                     0.44
<YIELD-ACTUAL>                                    2.88
<LOANS-NON>                                    436,522
<LOANS-PAST>                                   436,522
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               551,000
<CHARGE-OFFS>                                  248,555
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              337,445
<ALLOWANCE-DOMESTIC>                           337,445
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0