<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           9,143
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     90,894
<INVESTMENTS-CARRYING>                          10,849
<INVESTMENTS-MARKET>                            10,684
<LOANS>                                        191,019
<ALLOWANCE>                                      3,088
<TOTAL-ASSETS>                                 317,452
<DEPOSITS>                                     257,993
<SHORT-TERM>                                    26,355
<LIABILITIES-OTHER>                              1,235
<LONG-TERM>                                      6,156
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,948
<OTHER-SE>                                      22,765
<TOTAL-LIABILITIES-AND-EQUITY>                 317,452
<INTEREST-LOAN>                                  8,181
<INTEREST-INVEST>                                3,063
<INTEREST-OTHER>                                   149
<INTEREST-TOTAL>                                11,393
<INTEREST-DEPOSIT>                               4,914
<INTEREST-EXPENSE>                               5,704
<INTEREST-INCOME-NET>                            5,689
<LOAN-LOSSES>                                      231
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                  4,421
<INCOME-PRETAX>                                  1,696
<INCOME-PRE-EXTRAORDINARY>                       1,696
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,282
<EPS-BASIC>                                       0.44
<EPS-DILUTED>                                     0.44
<YIELD-ACTUAL>                                    3.96
<LOANS-NON>                                      1,283
<LOANS-PAST>                                       222
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,110
<CHARGE-OFFS>                                      375
<RECOVERIES>                                       122
<ALLOWANCE-CLOSE>                                3,088
<ALLOWANCE-DOMESTIC>                             3,088
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            438