<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1999             JUN-30-1999
<PERIOD-END>                               MAR-31-1999             MAR-31-1999
<CASH>                                             960                       0
<INT-BEARING-DEPOSITS>                           1,577                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     22,875                       0
<INVESTMENTS-CARRYING>                           3,461                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                         99,708                       0
<ALLOWANCE>                                      1,048                       0
<TOTAL-ASSETS>                                 134,572                       0
<DEPOSITS>                                      91,979                       0
<SHORT-TERM>                                    21,307                       0
<LIABILITIES-OTHER>                              1,040                       0
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         7,257                       0
<OTHER-SE>                                      12,989                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 134,572                       0
<INTEREST-LOAN>                                  2,207                   6,694
<INTEREST-INVEST>                                  313                     866
<INTEREST-OTHER>                                    21                      64
<INTEREST-TOTAL>                                 2,541                   7,624
<INTEREST-DEPOSIT>                                 973                   3,044
<INTEREST-EXPENSE>                               1,255                   3,827
<INTEREST-INCOME-NET>                            1,288                   3,797
<LOAN-LOSSES>                                        3                      30
<SECURITIES-GAINS>                                   0                       5
<EXPENSE-OTHER>                                    859                   2,471
<INCOME-PRETAX>                                    514                   1,665
<INCOME-PRE-EXTRAORDINARY>                         514                   1,665
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       336                   1,087
<EPS-PRIMARY>                                     0.13                    0.42
<EPS-DILUTED>                                     0.13                    0.42
<YIELD-ACTUAL>                                     4.1                    4.11
<LOANS-NON>                                        894                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 1,029                       0
<CHARGE-OFFS>                                        0                      75
<RECOVERIES>                                        16                       8
<ALLOWANCE-CLOSE>                                1,048                   1,048
<ALLOWANCE-DOMESTIC>                             1,048                   1,048
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>