<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     ANNUAL REPORT ON FORM 10-K405 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                           1,000

       
<S>                                                    <C>
<PERIOD-TYPE>                                          12-MOS
<FISCAL-YEAR-END>                                      JUN-30-1998
<PERIOD-END>                                           JUN-30-1998 
<CASH>                                                     847    
<INT-BEARING-DEPOSITS>                                   6,458    
<FED-FUNDS-SOLD>                                             0    
<TRADING-ASSETS>                                             0    
<INVESTMENTS-HELD-FOR-SALE>                             13,821   
<INVESTMENTS-CARRYING>                                  20,871    
<INVESTMENTS-MARKET>                                    21,310    
<LOANS>                                                208,412    
<ALLOWANCE>                                              2,192    
<TOTAL-ASSETS>                                         260,043
<DEPOSITS>                                             140,975
<SHORT-TERM>                                            45,081
<LIABILITIES-OTHER>                                      3,296
<LONG-TERM>                                                  0
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                                   623
<OTHER-SE>                                              70,067
<TOTAL-LIABILITIES-AND-EQUITY>                         260,043
<INTEREST-LOAN>                                         14,875
<INTEREST-INVEST>                                        1,529
<INTEREST-OTHER>                                           792
<INTEREST-TOTAL>                                        17,196
<INTEREST-DEPOSIT>                                       6,969
<INTEREST-EXPENSE>                                       8,743
<INTEREST-INCOME-NET>                                    8,453
<LOAN-LOSSES>                                              123
<SECURITIES-GAINS>                                          69
<EXPENSE-OTHER>                                          4,822
<INCOME-PRETAX>                                          4,460
<INCOME-PRE-EXTRAORDINARY>                                   0
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             2,841
<EPS-PRIMARY>                                              .29
<EPS-DILUTED>                                              .29
<YIELD-ACTUAL>                                            3.91
<LOANS-NON>                                              1,012
<LOANS-PAST>                                                 0
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                          1,138
<ALLOWANCE-OPEN>                                         2,177
<CHARGE-OFFS>                                              151
<RECOVERIES>                                                42
<ALLOWANCE-CLOSE>                                        2,192
<ALLOWANCE-DOMESTIC>                                     2,192
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      0
        


</TABLE>