<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>                                  3-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-END>                                   SEP-30-1998
<CASH>                                           1,750
<INT-BEARING-DEPOSITS>                           1,440
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     38,100
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         82,661
<ALLOWANCE>                                        401
<TOTAL-ASSETS>                                 128,769
<DEPOSITS>                                      70,745
<SHORT-TERM>                                    43,201
<LIABILITIES-OTHER>                              1,561
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           104
<OTHER-SE>                                      13,159
<TOTAL-LIABILITIES-AND-EQUITY>                 128,769
<INTEREST-LOAN>                                  1,725
<INTEREST-INVEST>                                  511
<INTEREST-OTHER>                                    51
<INTEREST-TOTAL>                                 2,287
<INTEREST-DEPOSIT>                                 830
<INTEREST-EXPENSE>                               1,398
<INTEREST-INCOME-NET>                              889
<LOAN-LOSSES>                                       15
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    599
<INCOME-PRETAX>                                    321
<INCOME-PRE-EXTRAORDINARY>                         321
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       204
<EPS-PRIMARY>                                     0.19
<EPS-DILUTED>                                     0.19
<YIELD-ACTUAL>                                    2.18
<LOANS-NON>                                        575
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    622
<ALLOWANCE-OPEN>                                   387
<CHARGE-OFFS>                                        1
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  401
<ALLOWANCE-DOMESTIC>                               401
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>