<TABLE> <S> <C>

<ARTICLE> 9                                            
<MULTIPLIER> 1,000                                     
                                                       
<S>                             <C>                    
<PERIOD-TYPE>                   6-MOS        
<FISCAL-YEAR-END>                          JUN-30-1998 
<PERIOD-END>                               DEC-31-1998
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<TRADING-ASSETS>                                         0
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<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                     0
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<ALLOWANCE>                                          1,112
<TOTAL-ASSETS>                                     214,329
<DEPOSITS>                                         130,820
<SHORT-TERM>                                        61,500
<LIABILITIES-OTHER>                                  2,210
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                18
<OTHER-SE>                                          19,781
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<INTEREST-LOAN>                                      6,222
<INTEREST-INVEST>                                    1,737
<INTEREST-OTHER>                                        86
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<INTEREST-EXPENSE>                                   4,807
<INTEREST-INCOME-NET>                                3,238
<LOAN-LOSSES>                                          240
<SECURITIES-GAINS>                                     102
<EXPENSE-OTHER>                                      2,104
<INCOME-PRETAX>                                      1,581
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<EXTRAORDINARY>                                          0
<CHANGES>                                                0
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<EPS-PRIMARY>                                          .71
<EPS-DILUTED>                                          .69
<YIELD-ACTUAL>                                        3.19
<LOANS-NON>                                            960
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       983
<CHARGE-OFFS>                                          127
<RECOVERIES>                                            16
<ALLOWANCE-CLOSE>                                    1,112
<ALLOWANCE-DOMESTIC>                                 1,112
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        

</TABLE>