<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