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

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              JUN-30-2001
<PERIOD-START>                                 JUL-01-2000
<PERIOD-END>                                   SEP-30-2000
<EXCHANGE-RATE>                                1
<CASH>                                         3,866,677
<INT-BEARING-DEPOSITS>                         98,166
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               825,116
<INVESTMENTS-HELD-FOR-SALE>                    37,175,004
<INVESTMENTS-CARRYING>                         24,128,142
<INVESTMENTS-MARKET>                           23,291,154
<LOANS>                                        134,417,249
<ALLOWANCE>                                    662,903
<TOTAL-ASSETS>                                 208,009,105
<DEPOSITS>                                     173,583,948
<SHORT-TERM>                                   875,000
<LIABILITIES-OTHER>                            878,148
<LONG-TERM>                                    12,509,798
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       7,341,209
<OTHER-SE>                                     11,066,019
<TOTAL-LIABILITIES-AND-EQUITY>                 208,009,105
<INTEREST-LOAN>                                2,758,211
<INTEREST-INVEST>                              1,055,075
<INTEREST-OTHER>                               14,029
<INTEREST-TOTAL>                               3,827,315
<INTEREST-DEPOSIT>                             2,163,320
<INTEREST-EXPENSE>                             2,337,361
<INTEREST-INCOME-NET>                          1,489,954
<LOAN-LOSSES>                                  22,500
<SECURITIES-GAINS>                             61,543
<EXPENSE-OTHER>                                1,178,307
<INCOME-PRETAX>                                508,946
<INCOME-PRE-EXTRAORDINARY>                     508,946
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   333,710
<EPS-BASIC>                                    0.26
<EPS-DILUTED>                                  0.26
<YIELD-ACTUAL>                                 2.87
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<LOANS-PAST>                                   9,000
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               645,107
<CHARGE-OFFS>                                  5,780
<RECOVERIES>                                   1,076
<ALLOWANCE-CLOSE>                              662,903
<ALLOWANCE-DOMESTIC>                           388,086
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        274,817