<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          $2,615
<INT-BEARING-DEPOSITS>                           2,206
<FED-FUNDS-SOLD>                                 3,450
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     12,602
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         65,125
<ALLOWANCE>                                        277
<TOTAL-ASSETS>                                  86,449
<DEPOSITS>                                      51,877
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                802
<LONG-TERM>                                      3,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      30,770
<TOTAL-LIABILITIES-AND-EQUITY>                  86,449
<INTEREST-LOAN>                                  2,691
<INTEREST-INVEST>                                  401
<INTEREST-OTHER>                                   189
<INTEREST-TOTAL>                                 3,281
<INTEREST-DEPOSIT>                               1,060
<INTEREST-EXPENSE>                               1,120
<INTEREST-INCOME-NET>                            2,161
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,032
<INCOME-PRETAX>                                  1,168
<INCOME-PRE-EXTRAORDINARY>                         748
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       748
<EPS-PRIMARY>                                      .18
<EPS-DILUTED>                                      .17
<YIELD-ACTUAL>                                    4.89
<LOANS-NON>                                          0
<LOANS-PAST>                                        94
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   223
<CHARGE-OFFS>                                        7
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  277
<ALLOWANCE-DOMESTIC>                               277
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             48
        

</TABLE>