<ARTICLE> 9 <MULTIPLIER> 1 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> JUN-30-2000 <PERIOD-END> MAR-31-2000 <CASH> 1,248,394 <INT-BEARING-DEPOSITS> 10,723,060 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 228,725 <INVESTMENTS-MARKET> 228,836 <LOANS> 155,160,104 <ALLOWANCE> 1,976,000 <TOTAL-ASSETS> 176,599,479 <DEPOSITS> 130,796,369 <SHORT-TERM> 18,450,000 <LIABILITIES-OTHER> 959,960 <LONG-TERM> 0 <PREFERRED-MANDATORY> 10,319 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 16,104,441 <TOTAL-LIABILITIES-AND-EQUITY> 176,559,479 <INTEREST-LOAN> 9,353,527 <INTEREST-INVEST> 2,859 <INTEREST-OTHER> 394,700 <INTEREST-TOTAL> 9,751,116 <INTEREST-DEPOSIT> 3,910,782 <INTEREST-EXPENSE> 5,450,648 <INTEREST-INCOME-NET> 4,300,468 <LOAN-LOSSES> 1,148,537 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 751,682 <INCOME-PRETAX> 85,654 <INCOME-PRE-EXTRAORDINARY> 73,170 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 73,170 <EPS-BASIC> 0.08 <EPS-DILUTED> 0.08 <YIELD-ACTUAL> 8.32 <LOANS-NON> 6,833,746 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 956,000 <CHARGE-OFFS> 128,428 <RECOVERIES> 23,891 <ALLOWANCE-CLOSE> 1,976,000 <ALLOWANCE-DOMESTIC> 1,976,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0