<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
THIS LEGEND CONTAINS SUMMARY INFORMATION  EXTRACTED FROM THE FORM 10-QSB FOR THE
NINE MONTHS  ENDED MARCH 31, 1999 AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1
       
<S>                             <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-START>                                 JUL-01-1998
<PERIOD-END>                                   MAR-31-1999
<CASH>                                          2,842,806
<INT-BEARING-DEPOSITS>                         28,248,633
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                     1,175,000
<INVESTMENTS-CARRYING>                         37,040,702
<INVESTMENTS-MARKET>                           37,259,339
<LOANS>                                        49,833,036
<ALLOWANCE>                                       395,527
<TOTAL-ASSETS>                                123,649,227
<DEPOSITS>                                    113,951,250
<SHORT-TERM>                                            0
<LIABILITIES-OTHER>                               654,737
<LONG-TERM>                                             0
<COMMON>                                            3,640
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<OTHER-SE>                                      9,039,600
<TOTAL-LIABILITIES-AND-EQUITY>                123,649,227
<INTEREST-LOAN>                                 2,529,907
<INTEREST-INVEST>                               2,965,187
<INTEREST-OTHER>                                        0
<INTEREST-TOTAL>                                5,495,094
<INTEREST-DEPOSIT>                              3,150,800
<INTEREST-EXPENSE>                              3,150,800
<INTEREST-INCOME-NET>                           2,344,294
<LOAN-LOSSES>                                           0
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                 2,747,995
<INCOME-PRETAX>                                   519,693
<INCOME-PRE-EXTRAORDINARY>                        519,693
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                      342,465
<EPS-PRIMARY>                                        0.94
<EPS-DILUTED>                                        0.93
<YIELD-ACTUAL>                                       2.73
<LOANS-NON>                                       294,523
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                  393,884
<CHARGE-OFFS>                                           0
<RECOVERIES>                                        1,643
<ALLOWANCE-CLOSE>                                 395,527
<ALLOWANCE-DOMESTIC>                              230,218
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                            165,309
        


</TABLE>