<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> Jun-30-2001
<PERIOD-START> Jul-01-2000
<PERIOD-END> Sep-30-2000
<CASH> 1,606,416
<INT-BEARING-DEPOSITS> 9,902,313
<FED-FUNDS-SOLD> 1,070,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 8,414,300
<INVESTMENTS-CARRYING> 37,383,257
<INVESTMENTS-MARKET> 36,623,773
<LOANS> 67,432,859
<ALLOWANCE> 401,560
<TOTAL-ASSETS> 132,658,680
<DEPOSITS> 90,559,645
<SHORT-TERM> 0
<LIABILITIES-OTHER> 2,254,221
<LONG-TERM> 5,000,000
0
0
<COMMON> 22,724
<OTHER-SE> 34,822,090
<TOTAL-LIABILITIES-AND-EQUITY> 132,658,680
<INTEREST-LOAN> 1,370,190
<INTEREST-INVEST> 951,875
<INTEREST-OTHER> 15,575
<INTEREST-TOTAL> 2,337,640
<INTEREST-DEPOSIT> 1,109,275
<INTEREST-EXPENSE> 1,209,147
<INTEREST-INCOME-NET> 1,128,493
<LOAN-LOSSES> 45,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 950,648
<INCOME-PRETAX> 365,971
<INCOME-PRE-EXTRAORDINARY> 365,971
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 251,195
<EPS-BASIC> 0.13
<EPS-DILUTED> 0.13
<YIELD-ACTUAL> 3.68
<LOANS-NON> 112,912
<LOANS-PAST> 0
<LOANS-TROUBLED> 49,749
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 395,638
<CHARGE-OFFS> 39,578
<RECOVERIES> 500
<ALLOWANCE-CLOSE> 401,560
<ALLOWANCE-DOMESTIC> 401,560
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>