<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>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              JUN-30-1998
<PERIOD-END>                                   MAR-31-1998
<CASH>                                               2,066
<INT-BEARING-DEPOSITS>                                 975
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         42,128
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             69,384
<ALLOWANCE>                                            377
<TOTAL-ASSETS>                                     118,175
<DEPOSITS>                                          67,172
<SHORT-TERM>                                        34,961
<LIABILITIES-OTHER>                                  1,468
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                77
<OTHER-SE>                                          14,498
<TOTAL-LIABILITIES-AND-EQUITY>                     118,175
<INTEREST-LOAN>                                      4,057
<INTEREST-INVEST>                                    1,939
<INTEREST-OTHER>                                       130
<INTEREST-TOTAL>                                     6,126
<INTEREST-DEPOSIT>                                   2,316
<INTEREST-EXPENSE>                                   3,752
<INTEREST-INCOME-NET>                                2,374
<LOAN-LOSSES>                                           53
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,321
<INCOME-PRETAX>                                      1,064
<INCOME-PRE-EXTRAORDINARY>                           1,064
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           660
<EPS-PRIMARY>                                          .87
<EPS-DILUTED>                                          .85
<YIELD-ACTUAL>                                        3.13
<LOANS-NON>                                            427
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       369
<CHARGE-OFFS>                                           11
<RECOVERIES>                                             3
<ALLOWANCE-CLOSE>                                      377
<ALLOWANCE-DOMESTIC>                                   377
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>