<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> JUN-30-2000 <PERIOD-END> DEC-31-1999 <CASH> 3,669 <INT-BEARING-DEPOSITS> 6,249 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 69,587 <INVESTMENTS-CARRYING> 69,587 <INVESTMENTS-MARKET> 69,587 <LOANS> 349,977 <ALLOWANCE> 2,910 <TOTAL-ASSETS> 517,848 <DEPOSITS> 318,215 <SHORT-TERM> 25,002 <LIABILITIES-OTHER> 5,155 <LONG-TERM> 135,782 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 33,694 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 517,848 <INTEREST-LOAN> 13,107 <INTEREST-INVEST> 5,338 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 18,445 <INTEREST-DEPOSIT> 7,632 <INTEREST-EXPENSE> 12,179 <INTEREST-INCOME-NET> 6,266 <LOAN-LOSSES> 290 <SECURITIES-GAINS> 62 <EXPENSE-OTHER> 4,323 <INCOME-PRETAX> 2,447 <INCOME-PRE-EXTRAORDINARY> 2,447 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,665 <EPS-BASIC> 0.63 <EPS-DILUTED> 0.62 <YIELD-ACTUAL> 8.15 <LOANS-NON> 2,165 <LOANS-PAST> 118 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,648 <CHARGE-OFFS> 42 <RECOVERIES> 14 <ALLOWANCE-CLOSE> 2,910 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,910