<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-30-1999
<PERIOD-END>                                   DEC-31-1998
<CASH>                                             52,179
<INT-BEARING-DEPOSITS>                          2,226,864
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                    48,529,294
<INVESTMENTS-CARRYING>                         48,529,294
<INVESTMENTS-MARKET>                           48,529,294
<LOANS>                                        34,284,634
<ALLOWANCE>                                       275,034
<TOTAL-ASSETS>                                 88,828,847
<DEPOSITS>                                     51,816,523
<SHORT-TERM>                                            0
<LIABILITIES-OTHER>                               961,567
<LONG-TERM>                                    26,805,697
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                          112,500
<OTHER-SE>                                      9,132,560
<TOTAL-LIABILITIES-AND-EQUITY>                 88,828,847
<INTEREST-LOAN>                                 1,314,939
<INTEREST-INVEST>                               1,369,046
<INTEREST-OTHER>                                   84,865
<INTEREST-TOTAL>                                2,768,850
<INTEREST-DEPOSIT>                              1,318,802
<INTEREST-EXPENSE>                              1,898,533
<INTEREST-INCOME-NET>                             870,317
<LOAN-LOSSES>                                      24,000
<SECURITIES-GAINS>                                 37,913
<EXPENSE-OTHER>                                   759,841
<INCOME-PRETAX>                                   190,762
<INCOME-PRE-EXTRAORDINARY>                        190,762
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                      126,692
<EPS-PRIMARY>                                         .18
<EPS-DILUTED>                                         .17
<YIELD-ACTUAL>                                       1.50
<LOANS-NON>                                             0
<LOANS-PAST>                                      965,771
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                  251,013
<CHARGE-OFFS>                                           0
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                 275,013
<ALLOWANCE-DOMESTIC>                              275,013
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                            74,936
        


</TABLE>