<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     QUARTERLY  REPORT  ON FORM  10-KSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1
       
<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              JUN-30-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                             20,448
<INT-BEARING-DEPOSITS>                          1,988,780
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                    43,730,675
<INVESTMENTS-CARRYING>                         43,730,675
<INVESTMENTS-MARKET>                           43,730,675
<LOANS>                                        29,245,784
<ALLOWANCE>                                       251,034
<TOTAL-ASSETS>                                 77,286,605
<DEPOSITS>                                     48,101,806
<SHORT-TERM>                                    2,366,401
<LIABILITIES-OTHER>                             1,046,773
<LONG-TERM>                                    13,833,599
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                          112,500 
<OTHER-SE>                                     11,825,526 
<TOTAL-LIABILITIES-AND-EQUITY>                 77,286,605 
<INTEREST-LOAN>                                 2,071,506 
<INTEREST-INVEST>                               2,566,491 
<INTEREST-OTHER>                                  109,924 
<INTEREST-TOTAL>                                4,747,921 
<INTEREST-DEPOSIT>                              2,579,334 
<INTEREST-EXPENSE>                              2,998,472 
<INTEREST-INCOME-NET>                           1,749,449 
<LOAN-LOSSES>                                      38,000 
<SECURITIES-GAINS>                                 41,741 
<EXPENSE-OTHER>                                 1,174,458
<INCOME-PRETAX>                                   668,244
<INCOME-PRE-EXTRAORDINARY>                        668,244 
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                      425,335
<EPS-PRIMARY>                                         .52
<EPS-DILUTED>                                         .49
<YIELD-ACTUAL>                                       2.68
<LOANS-NON>                                             0
<LOANS-PAST>                                      983,151
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                  213,031
<CHARGE-OFFS>                                           0
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                 251,031
<ALLOWANCE-DOMESTIC>                              251,031
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                           130,000
        


</TABLE>