<TABLE> <S> <C>





<ARTICLE>                                            9
<MULTIPLIER>                                      1000
              
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              JUN-30-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                                 450
<INT-BEARING-DEPOSITS>                               5,415
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                                 111
<INVESTMENTS-MARKET>                                   130
<LOANS>                                             28,010
<ALLOWANCE>                                            185
<TOTAL-ASSETS>                                      35,627
<DEPOSITS>                                          22,984
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    363
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                79
<OTHER-SE>                                          12,201
<TOTAL-LIABILITIES-AND-EQUITY>                      35,627
<INTEREST-LOAN>                                      1,250
<INTEREST-INVEST>                                        7
<INTEREST-OTHER>                                       155
<INTEREST-TOTAL>                                     1,412
<INTEREST-DEPOSIT>                                     535
<INTEREST-EXPENSE>                                     535
<INTEREST-INCOME-NET>                                  877
<LOAN-LOSSES>                                            8
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        469
<INCOME-PRETAX>                                        420
<INCOME-PRE-EXTRAORDINARY>                             420
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           276
<EPS-PRIMARY>                                          .37
<EPS-DILUTED>                                          .15
<YIELD-ACTUAL>                                        4.52
<LOANS-NON>                                            107
<LOANS-PAST>                                           551
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                        191
<ALLOWANCE-OPEN>                                       177
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      185
<ALLOWANCE-DOMESTIC>                                   185
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


        

</TABLE>