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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
<S> <C>
<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
0
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
<LOANS-NON> 1,773,000
<LOANS-PAST> 9,000
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<ALLOWANCE-OPEN> 645,107
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<RECOVERIES> 1,076
<ALLOWANCE-CLOSE> 662,903
<ALLOWANCE-DOMESTIC> 388,086
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 274,817
</TABLE>
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