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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> JUN-30-2001
<PERIOD-START> JUL-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 3,068,334
<INT-BEARING-DEPOSITS> 427,890
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
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<LOANS> 140,532,085
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<TOTAL-ASSETS> 292,245,639
<DEPOSITS> 148,528,875
<SHORT-TERM> 29,430,000
<LIABILITIES-OTHER> 2,150,927
<LONG-TERM> 82,997,504
0
0
<COMMON> 26,450
<OTHER-SE> 29,111,883
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<INTEREST-LOAN> 2,919,182
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<INTEREST-DEPOSIT> 1,879,637
<INTEREST-EXPENSE> 3,625,782
<INTEREST-INCOME-NET> 1,466,876
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<EXPENSE-OTHER> 1,705,289
<INCOME-PRETAX> (30,904)
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<ALLOWANCE-DOMESTIC> 1,326,312
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</TABLE>
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