<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  DERIVED 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>                                  YEAR
<FISCAL-YEAR-END>                              JUN-30-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                           2,047
<INT-BEARING-DEPOSITS>                           2,490
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,188
<INVESTMENTS-CARRYING>                           4,141
<INVESTMENTS-MARKET>                             5,188
<LOANS>                                         75,837
<ALLOWANCE>                                        387
<TOTAL-ASSETS>                                 123,161
<DEPOSITS>                                      69,379
<SHORT-TERM>                                    38,248
<LIABILITIES-OTHER>                              1,326
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           114
<OTHER-SE>                                      14,095
<TOTAL-LIABILITIES-AND-EQUITY>                 123,161
<INTEREST-LOAN>                                  5,590
<INTEREST-INVEST>                                2,493
<INTEREST-OTHER>                                   176
<INTEREST-TOTAL>                                 8,259
<INTEREST-DEPOSIT>                               3,092
<INTEREST-EXPENSE>                               5,009
<INTEREST-INCOME-NET>                            3,250
<LOAN-LOSSES>                                       63
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,874
<INCOME-PRETAX>                                  1,416
<INCOME-PRE-EXTRAORDINARY>                       1,416
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       877
<EPS-PRIMARY>                                      .79
<EPS-DILUTED>                                      .76
<YIELD-ACTUAL>                                    3.25
<LOANS-NON>                                        707
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   369
<CHARGE-OFFS>                                       19
<RECOVERIES>                                         4
<ALLOWANCE-CLOSE>                                  387
<ALLOWANCE-DOMESTIC>                               387
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>