<TABLE> <S> <C>

<ARTICLE> 9                                            
<MULTIPLIER> 1,000                                     
                                                       
<S>                             <C>                    
<PERIOD-TYPE>                   9-MOS        
<FISCAL-YEAR-END>                          JUN-30-1999 
<PERIOD-END>                               MAR-31-1999
<CASH>                                              2,683           
<INT-BEARING-DEPOSITS>                              5,488        
<FED-FUNDS-SOLD>                                        0        
<TRADING-ASSETS>                                        0        
<INVESTMENTS-HELD-FOR-SALE>                        52,317        
<INVESTMENTS-CARRYING>                                  0        
<INVESTMENTS-MARKET>                                    0        
<LOANS>                                           148,265        
<ALLOWANCE>                                         1,608        
<TOTAL-ASSETS>                                    217,138        
<DEPOSITS>                                        131,788        
<SHORT-TERM>                                       63,500        
<LIABILITIES-OTHER>                                 2,266        
<LONG-TERM>                                             0        
<PREFERRED-MANDATORY>                                   0        
<PREFERRED>                                             0        
<COMMON>                                               18        
<OTHER-SE>                                         19,566        
<TOTAL-LIABILITIES-AND-EQUITY>                    217,138        
<INTEREST-LOAN>                                     9,287        
<INTEREST-INVEST>                                   2,582        
<INTEREST-OTHER>                                      138        
<INTEREST-TOTAL>                                   12,007        
<INTEREST-DEPOSIT>                                  4,389        
<INTEREST-EXPENSE>                                  7,087        
<INTEREST-INCOME-NET>                               4,920        
<LOAN-LOSSES>                                         860        
<SECURITIES-GAINS>                                    873        
<EXPENSE-OTHER>                                     3,352        
<INCOME-PRETAX>                                     2,441        
<INCOME-PRE-EXTRAORDINARY>                          2,441        
<EXTRAORDINARY>                                         0        
<CHANGES>                                               0        
<NET-INCOME>                                        1,573        
<EPS-PRIMARY>                                        1.10        
<EPS-DILUTED>                                        1.08        
<YIELD-ACTUAL>                                       3.24        
<LOANS-NON>                                           270        
<LOANS-PAST>                                            0        
<LOANS-TROUBLED>                                        0        
<LOANS-PROBLEM>                                         0        
<ALLOWANCE-OPEN>                                      983        
<CHARGE-OFFS>                                         315        
<RECOVERIES>                                           80        
<ALLOWANCE-CLOSE>                                   1,608        
<ALLOWANCE-DOMESTIC>                                1,184        
<ALLOWANCE-FOREIGN>                                     0        
<ALLOWANCE-UNALLOCATED>                               424        
                                              

</TABLE>