<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. Dollars
<S> <C>
<PERIOD-TYPE> Year
<FISCAL-YEAR-END> JUN-30-2000
<PERIOD-START> JUL-01-1999
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 385,098
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 304,106
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 4,212,387
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 17,139,118
<ALLOWANCE> 181,500
<TOTAL-ASSETS> 22,983,734
<DEPOSITS> 18,193,931
<SHORT-TERM> 1,950,000
<LIABILITIES-OTHER> 51,399
<LONG-TERM> 0
0
0
<COMMON> 4,276
<OTHER-SE> 2,784,128
<TOTAL-LIABILITIES-AND-EQUITY> 22,983,734
<INTEREST-LOAN> 906,062
<INTEREST-INVEST> 273,326
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 1,179,388
<INTEREST-DEPOSIT> 518,260
<INTEREST-EXPENSE> 544,505
<INTEREST-INCOME-NET> 634,883
<LOAN-LOSSES> 125,250
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,175,530
<INCOME-PRETAX> (603,397)
<INCOME-PRE-EXTRAORDINARY> (603,397)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (603,397)
<EPS-BASIC> (1.42)
<EPS-DILUTED> (1.42)
<YIELD-ACTUAL> 8.30
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 56,250
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 181,500
<ALLOWANCE-DOMESTIC> 181,500
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>