<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> JUN-30-2000 <PERIOD-START> JUL-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 1,456 <INT-BEARING-DEPOSITS> 1,273 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 28,804 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 89,942 <ALLOWANCE> 728 <TOTAL-ASSETS> 125,029 <DEPOSITS> 102,911 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,314 <LONG-TERM> 7,807 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 12,997 <TOTAL-LIABILITIES-AND-EQUITY> 125,029 <INTEREST-LOAN> 3,437 <INTEREST-INVEST> 1,064 <INTEREST-OTHER> 9 <INTEREST-TOTAL> 4,510 <INTEREST-DEPOSIT> 2,445 <INTEREST-EXPENSE> 2,607 <INTEREST-INCOME-NET> 1,903 <LOAN-LOSSES> 1 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,314 <INCOME-PRETAX> 743 <INCOME-PRE-EXTRAORDINARY> 532 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 532 <EPS-BASIC> .34 <EPS-DILUTED> .34 <YIELD-ACTUAL> 3.17 <LOANS-NON> 173 <LOANS-PAST> 243 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 732 <CHARGE-OFFS> 5 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 728 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 728