<ARTICLE> 9 <MULTIPLIER> 1 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> JUN-30-2000 <PERIOD-END> SEP-30-1999 <CASH> 617,658 <INT-BEARING-DEPOSITS> 5,553,592 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 240,913 <INVESTMENTS-MARKET> 241,809 <LOANS> 143,253,214 <ALLOWANCE> 932,000 <TOTAL-ASSETS> 158,110,776 <DEPOSITS> 100,634,785 <SHORT-TERM> 17,300,000 <LIABILITIES-OTHER> 1,364,395 <LONG-TERM> 0 <PREFERRED-MANDATORY> 10,319 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 17,117,767 <TOTAL-LIABILITIES-AND-EQUITY> 158,110,776 <INTEREST-LOAN> 3,028,867 <INTEREST-INVEST> 1,023 <INTEREST-OTHER> 80,186 <INTEREST-TOTAL> 3,110,076 <INTEREST-DEPOSIT> 1,168,505 <INTEREST-EXPENSE> 1,612,898 <INTEREST-INCOME-NET> 1,497,178 <LOAN-LOSSES> 38,290 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 250,492 <INCOME-PRETAX> 392,770 <INCOME-PRE-EXTRAORDINARY> 248,432 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 248,432 <EPS-BASIC> 0.28 <EPS-DILUTED> 0.28 <YIELD-ACTUAL> 8.57 <LOANS-NON> 538,379 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 927,000 <CHARGE-OFFS> 36,712 <RECOVERIES> 16,226 <ALLOWANCE-CLOSE> 932,000 <ALLOWANCE-DOMESTIC> 932,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0