<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                            1
       
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              JUN-30-1998
<PERIOD-END>                                   DEC-31-1997
<CASH>                                             14,505
<INT-BEARING-DEPOSITS>                          1,730,913
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                    19,001,123
<INVESTMENTS-CARRYING>                         20,996,006
<INVESTMENTS-MARKET>                           21,777,617
<LOANS>                                        23,374,423
<ALLOWANCE>                                       213,034
<TOTAL-ASSETS>                                 67,147,038
<DEPOSITS>                                     46,979,232
<SHORT-TERM>                                    7,016,083
<LIABILITIES-OTHER>                               350,318
<LONG-TERM>                                     1,000,000
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                          112,500
<OTHER-SE>                                     11,688,905
<TOTAL-LIABILITIES-AND-EQUITY>                 11,801,405
<INTEREST-LOAN>                                   953,735
<INTEREST-INVEST>                               1,323,248
<INTEREST-OTHER>                                   35,524
<INTEREST-TOTAL>                                2,312,507
<INTEREST-DEPOSIT>                              1,268,372
<INTEREST-EXPENSE>                              1,451,606
<INTEREST-INCOME-NET>                             860,901
<LOAN-LOSSES>                                           0
<SECURITIES-GAINS>                                  7,871
<EXPENSE-OTHER>                                   586,045
<INCOME-PRETAX>                                   321,844
<INCOME-PRE-EXTRAORDINARY>                        321,844
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                      205,043
<EPS-PRIMARY>                                         .24<F1>
<EPS-DILUTED>                                         .23
<YIELD-ACTUAL>                                       2.72
<LOANS-NON>                                             0
<LOANS-PAST>                                      501,590
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                   501,590
<ALLOWANCE-OPEN>                                  213,034
<CHARGE-OFFS>                                           0
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                 213,034
<ALLOWANCE-DOMESTIC>                              213,034
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                           213,034
<FN>                                              
<F1>      BASIC EARNINGS PER SHARE
</FN>
        


</TABLE>