<ARTICLE>                                            9
<MULTIPLIER>                                   1
<CURRENCY>                                     U.S. DOLLARS

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              JUN-30-2000
<PERIOD-START>                                 JUL-01-1999
<PERIOD-END>                                   DEC-31-1999
<EXCHANGE-RATE>                                1
<CASH>                                         7,457,465
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               970,690
<INVESTMENTS-HELD-FOR-SALE>                    35,564,528
<INVESTMENTS-CARRYING>                         26,012,253
<INVESTMENTS-MARKET>                           24,915,453
<LOANS>                                        122,089,487
<ALLOWANCE>                                    614,574
<TOTAL-ASSETS>                                 198,640,460
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<LONG-TERM>                                    10,563,472
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<INTEREST-LOAN>                                5,058,302
<INTEREST-INVEST>                              2,002,216
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<INTEREST-TOTAL>                               7,102,014
<INTEREST-DEPOSIT>                             3,645,903
<INTEREST-EXPENSE>                             4,035,783
<INTEREST-INCOME-NET>                          3,066,231
<LOAN-LOSSES>                                  (474,488)
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<INCOME-PRETAX>                                1,467,581
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<EXTRAORDINARY>                                0
<CHANGES>                                      0
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<EPS-BASIC>                                  0.85
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<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        414,941