<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
DOLLARS IN THOUSANDS
</LEGEND>
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> JUN-30-2000
<PERIOD-END> JUN-30-2000
<CASH> 7962
<INT-BEARING-DEPOSITS> 5231
<FED-FUNDS-SOLD> 320
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 4367
<INVESTMENTS-CARRYING> 1657
<INVESTMENTS-MARKET> 1633
<LOANS> 174869
<ALLOWANCE> 597
<TOTAL-ASSETS> 199086
<DEPOSITS> 155661
<SHORT-TERM> 15050
<LIABILITIES-OTHER> 1048
<LONG-TERM> 2850
0
0
<COMMON> 28
<OTHER-SE> 24449
<TOTAL-LIABILITIES-AND-EQUITY> 199086
<INTEREST-LOAN> 13115
<INTEREST-INVEST> 442
<INTEREST-OTHER> 308
<INTEREST-TOTAL> 13865
<INTEREST-DEPOSIT> 6836
<INTEREST-EXPENSE> 7258
<INTEREST-INCOME-NET> 6607
<LOAN-LOSSES> 89
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4443
<INCOME-PRETAX> 3141
<INCOME-PRE-EXTRAORDINARY> 3141
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2020
<EPS-BASIC> 1.06
<EPS-DILUTED> 1.02
<YIELD-ACTUAL> 3.73
<LOANS-NON> 49
<LOANS-PAST> 2689
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 540
<CHARGE-OFFS> 37
<RECOVERIES> 5
<ALLOWANCE-CLOSE> 597
<ALLOWANCE-DOMESTIC> 597
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 307
</TABLE>