<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>                                           3,193
<INT-BEARING-DEPOSITS>                           5,897
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     22,568
<INVESTMENTS-CARRYING>                             318
<INVESTMENTS-MARKET>                               327
<LOANS>                                         48,211
<ALLOWANCE>                                        207
<TOTAL-ASSETS>                                  84,387
<DEPOSITS>                                      68,288
<SHORT-TERM>                                     1,000
<LIABILITIES-OTHER>                                772
<LONG-TERM>                                      6,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            50
<OTHER-SE>                                       8,277
<TOTAL-LIABILITIES-AND-EQUITY>                  84,387
<INTEREST-LOAN>                                  4,182
<INTEREST-INVEST>                                1,626
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 5,808
<INTEREST-DEPOSIT>                               2,968
<INTEREST-EXPENSE>                                 258
<INTEREST-INCOME-NET>                            2,582
<LOAN-LOSSES>                                       33
<SECURITIES-GAINS>                                 (17)
<EXPENSE-OTHER>                                  2,198
<INCOME-PRETAX>                                    779
<INCOME-PRE-EXTRAORDINARY>                         779
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       461
<EPS-PRIMARY>                                      .97
<EPS-DILUTED>                                      .95
<YIELD-ACTUAL>                                    3.50
<LOANS-NON>                                          0
<LOANS-PAST>                                       102
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   217
<CHARGE-OFFS>                                       43
<RECOVERIES>                                        33
<ALLOWANCE-CLOSE>                                  207
<ALLOWANCE-DOMESTIC>                               207
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>