<TABLE> <S> <C>



<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              JUN-30-1998
<PERIOD-END>                                   DEC-31-1997
<CASH>                                               1,646
<INT-BEARING-DEPOSITS>                               1,287
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         45,287
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             63,119
<ALLOWANCE>                                            369
<TOTAL-ASSETS>                                     114,745
<DEPOSITS>                                          63,248
<SHORT-TERM>                                        36,065
<LIABILITIES-OTHER>                                  1,092
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                77
<OTHER-SE>                                          14,263
<TOTAL-LIABILITIES-AND-EQUITY>                     114,745
<INTEREST-LOAN>                                      2,596
<INTEREST-INVEST>                                    1,315
<INTEREST-OTHER>                                        90
<INTEREST-TOTAL>                                     4,002
<INTEREST-DEPOSIT>                                   1,541
<INTEREST-EXPENSE>                                   2,474
<INTEREST-INCOME-NET>                                1,528
<LOAN-LOSSES>                                           37
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        871
<INCOME-PRETAX>                                        661
<INCOME-PRE-EXTRAORDINARY>                             661
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           411
<EPS-PRIMARY>                                          .54
<EPS-DILUTED>                                          .53
<YIELD-ACTUAL>                                        3.07
<LOANS-NON>                                            279
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                        593
<ALLOWANCE-OPEN>                                       339
<CHARGE-OFFS>                                            8
<RECOVERIES>                                             1
<ALLOWANCE-CLOSE>                                      369
<ALLOWANCE-DOMESTIC>                                   369
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>