<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> JUN-30-2000
<PERIOD-START> JUL-01-1999
<PERIOD-END> JUN-30-2000
<CASH> 2,314
<INT-BEARING-DEPOSITS> 22,007
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 53,852
<INVESTMENTS-HELD-FOR-SALE> 64,052
<INVESTMENTS-CARRYING> 3,857
<INVESTMENTS-MARKET> 3,875
<LOANS> 272,378
<ALLOWANCE> 1,408
<TOTAL-ASSETS> 435,192
<DEPOSITS> 361,241
<SHORT-TERM> 35,038
<LIABILITIES-OTHER> 8,816
<LONG-TERM> 12,995
0
0
<COMMON> 425
<OTHER-SE> 15,832
<TOTAL-LIABILITIES-AND-EQUITY> 435,192
<INTEREST-LOAN> 20,637
<INTEREST-INVEST> 11,256
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 31,893
<INTEREST-DEPOSIT> 18,226
<INTEREST-EXPENSE> 23,522
<INTEREST-INCOME-NET> 8,371
<LOAN-LOSSES> 587
<SECURITIES-GAINS> (1,405)
<EXPENSE-OTHER> 9,627
<INCOME-PRETAX> 3,248
<INCOME-PRE-EXTRAORDINARY> 3,248
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (1,879)
<EPS-BASIC> (0.59)
<EPS-DILUTED> (0.59)
<YIELD-ACTUAL> 1.75
<LOANS-NON> 180
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 868
<CHARGE-OFFS> 587
<RECOVERIES> (47)
<ALLOWANCE-CLOSE> 1,408
<ALLOWANCE-DOMESTIC> 1,408
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>