<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> JUN-30-2000 <PERIOD-END> DEC-31-1999 <CASH> 10,985 <INT-BEARING-DEPOSITS> 500 <FED-FUNDS-SOLD> 857 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 74,913 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 97,423 <ALLOWANCE> 804 <TOTAL-ASSETS> 193,546 <DEPOSITS> 149,162 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,062 <LONG-TERM> 28,270 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 17 <OTHER-SE> 15,035 <TOTAL-LIABILITIES-AND-EQUITY> 193,546 <INTEREST-LOAN> 3,597 <INTEREST-INVEST> 2,642 <INTEREST-OTHER> 124 <INTEREST-TOTAL> 6,363 <INTEREST-DEPOSIT> 2,361 <INTEREST-EXPENSE> 3,045 <INTEREST-INCOME-NET> 3,318 <LOAN-LOSSES> 80 <SECURITIES-GAINS> 233 <EXPENSE-OTHER> 3,099 <INCOME-PRETAX> 791 <INCOME-PRE-EXTRAORDINARY> 791 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 502 <EPS-BASIC> 0.31 <EPS-DILUTED> 0.31 <YIELD-ACTUAL> 7.60 <LOANS-NON> 487 <LOANS-PAST> 206 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 740 <CHARGE-OFFS> 30 <RECOVERIES> 5 <ALLOWANCE-CLOSE> 804 <ALLOWANCE-DOMESTIC> 763 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 41