<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1999             JUN-30-1999
<PERIOD-END>                               DEC-31-1998             DEC-31-1998
<CASH>                                             609                       0
<INT-BEARING-DEPOSITS>                            2316                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      14768                       0
<INVESTMENTS-CARRYING>                            3212                       0
<INVESTMENTS-MARKET>                              3331                       0
<LOANS>                                         103700                       0
<ALLOWANCE>                                       1029                       0
<TOTAL-ASSETS>                                  129244                       0
<DEPOSITS>                                       91900                       0
<SHORT-TERM>                                     15709                       0
<LIABILITIES-OTHER>                                941                       0
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                          7813                       0
<OTHER-SE>                                       12881                       0
<TOTAL-LIABILITIES-AND-EQUITY>                  129244                       0
<INTEREST-LOAN>                                   2188                    4487
<INTEREST-INVEST>                                  272                     553
<INTEREST-OTHER>                                    21                      43
<INTEREST-TOTAL>                                  2481                    5063
<INTEREST-DEPOSIT>                                1029                    2071
<INTEREST-EXPENSE>                                1259                    2572
<INTEREST-INCOME-NET>                             1222                    2511
<LOAN-LOSSES>                                        3                      27
<SECURITIES-GAINS>                                   5                       5
<EXPENSE-OTHER>                                    829                    1612
<INCOME-PRETAX>                                    518                    1151
<INCOME-PRE-EXTRAORDINARY>                         518                    1151
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       337                     751
<EPS-PRIMARY>                                     0.13                    0.28
<EPS-DILUTED>                                     0.13                    0.28
<YIELD-ACTUAL>                                    4.06                    4.12
<LOANS-NON>                                        740                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                  1005                       0
<CHARGE-OFFS>                                       29                      59
<RECOVERIES>                                         8                       8
<ALLOWANCE-CLOSE>                                 1029                    1029
<ALLOWANCE-DOMESTIC>                              1029                    1029
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>