<TABLE> <S> <C>

<ARTICLE>                                          9
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                                                   JUN-30-1999
<PERIOD-END>                                                        DEC-31-1998
<CASH>                                                                    6,483
<INT-BEARING-DEPOSITS>                                                    1,500
<FED-FUNDS-SOLD>                                                          3,969
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                              59,739
<INVESTMENTS-CARRYING>                                                        0
<INVESTMENTS-MARKET>                                                          0
<LOANS>                                                                  77,300
<ALLOWANCE>                                                                 624
<TOTAL-ASSETS>                                                          153,064
<DEPOSITS>                                                              120,060
<SHORT-TERM>                                                                  0
<LIABILITIES-OTHER>                                                       1,171
<LONG-TERM>                                                              14,272
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                     17
<OTHER-SE>                                                               17,544
<TOTAL-LIABILITIES-AND-EQUITY>                                          153,064
<INTEREST-LOAN>                                                           3,230
<INTEREST-INVEST>                                                         1,414
<INTEREST-OTHER>                                                            341
<INTEREST-TOTAL>                                                          4,985
<INTEREST-DEPOSIT>                                                        2,027
<INTEREST-EXPENSE>                                                        2,412
<INTEREST-INCOME-NET>                                                     2,573
<LOAN-LOSSES>                                                                50
<SECURITIES-GAINS>                                                          320
<EXPENSE-OTHER>                                                           2,406
<INCOME-PRETAX>                                                             766
<INCOME-PRE-EXTRAORDINARY>                                                  766
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                                497
<EPS-PRIMARY>                                                                 0
<EPS-DILUTED>                                                                 0
<YIELD-ACTUAL>                                                             7.35
<LOANS-NON>                                                                 299
<LOANS-PAST>                                                                238
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                               0
<ALLOWANCE-OPEN>                                                            577
<CHARGE-OFFS>                                                                 7
<RECOVERIES>                                                                  4
<ALLOWANCE-CLOSE>                                                           624
<ALLOWANCE-DOMESTIC>                                                        595
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                      29
                                                   


</TABLE>