<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>                                  6-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-END>                                   DEC-31-1998
<CASH>                                           2,248
<INT-BEARING-DEPOSITS>                             828
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     36,086
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         88,593
<ALLOWANCE>                                        421
<TOTAL-ASSETS>                                 133,770
<DEPOSITS>                                      73,908
<SHORT-TERM>                                    45,185
<LIABILITIES-OTHER>                              1,560
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           101
<OTHER-SE>                                      13,017
<TOTAL-LIABILITIES-AND-EQUITY>                 133,770
<INTEREST-LOAN>                                  3,555
<INTEREST-INVEST>                                  995
<INTEREST-OTHER>                                   104
<INTEREST-TOTAL>                                 4,654
<INTEREST-DEPOSIT>                               1,651
<INTEREST-EXPENSE>                               2,803
<INTEREST-INCOME-NET>                            1,851
<LOAN-LOSSES>                                       40
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,231
<INCOME-PRETAX>                                    674
<INCOME-PRE-EXTRAORDINARY>                         674
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       422
<EPS-PRIMARY>                                      .40
<EPS-DILUTED>                                      .39
<YIELD-ACTUAL>                                    3.04
<LOANS-NON>                                      1,339
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    618
<ALLOWANCE-OPEN>                                   387
<CHARGE-OFFS>                                        5
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  421
<ALLOWANCE-DOMESTIC>                               421
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>