<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> JUN-30-2000 <PERIOD-END> SEP-30-1999 <CASH> 6,231 <INT-BEARING-DEPOSITS> 500 <FED-FUNDS-SOLD> 5,202 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 77,786 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 87,299 <ALLOWANCE> 776 <TOTAL-ASSETS> 185,518 <DEPOSITS> 143,005 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,178 <LONG-TERM> 25,361 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 17 <OTHER-SE> 15,957 <TOTAL-LIABILITIES-AND-EQUITY> 185,518 <INTEREST-LOAN> 1,758 <INTEREST-INVEST> 1,242 <INTEREST-OTHER> 73 <INTEREST-TOTAL> 3,073 <INTEREST-DEPOSIT> 1,159 <INTEREST-EXPENSE> 1,470 <INTEREST-INCOME-NET> 1,603 <LOAN-LOSSES> 45 <SECURITIES-GAINS> 19 <EXPENSE-OTHER> 1,505 <INCOME-PRETAX> 268 <INCOME-PRE-EXTRAORDINARY> 268 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 168 <EPS-BASIC> 0.10 <EPS-DILUTED> 0.10 <YIELD-ACTUAL> 7.43 <LOANS-NON> 731 <LOANS-PAST> 96 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 740 <CHARGE-OFFS> 11 <RECOVERIES> 2 <ALLOWANCE-CLOSE> 776 <ALLOWANCE-DOMESTIC> 721 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 55