<TABLE> <S> <C>


<ARTICLE>                                            9

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

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                           2,839
<INT-BEARING-DEPOSITS>                           2,308
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     42,008
<INVESTMENTS-CARRYING>                           1,677
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         96,565
<ALLOWANCE>                                        443
<TOTAL-ASSETS>                                 150,754
<DEPOSITS>                                      81,229
<SHORT-TERM>                                    55,541
<LIABILITIES-OTHER>                              1,552
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            95
<OTHER-SE>                                      12,336
<TOTAL-LIABILITIES-AND-EQUITY>                 150,754
<INTEREST-LOAN>                                  7,465
<INTEREST-INVEST>                                1,979
<INTEREST-OTHER>                                   207
<INTEREST-TOTAL>                                 9,651
<INTEREST-DEPOSIT>                               3,228
<INTEREST-EXPENSE>                               5,599
<INTEREST-INCOME-NET>                            4,052
<LOAN-LOSSES>                                      138
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,501
<INCOME-PRETAX>                                  1,655
<INCOME-PRE-EXTRAORDINARY>                       1,655
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,016
<EPS-BASIC>                                      .99
<EPS-DILUTED>                                      .97
<YIELD-ACTUAL>                                    3.11
<LOANS-NON>                                        219
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    510
<ALLOWANCE-OPEN>                                   387
<CHARGE-OFFS>                                       82
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  443
<ALLOWANCE-DOMESTIC>                               443
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>