<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>                                  9-MOS
<FISCAL-YEAR-END>                              JUN-30-1998
<PERIOD-END>                                   MAR-31-1998
<CASH>                                              14,888
<INT-BEARING-DEPOSITS>                           2,432,488
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     38,332,752
<INVESTMENTS-CARRYING>                          38,332,752
<INVESTMENTS-MARKET>                            38,332,752
<LOANS>                                         27,132,959
<ALLOWANCE>                                        227,034
<TOTAL-ASSETS>                                  69,687,671
<DEPOSITS>                                      48,668,957
<SHORT-TERM>                                     7,700,000
<LIABILITIES-OTHER>                                494,295
<LONG-TERM>                                      1,000,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                           112,500
<OTHER-SE>                                      11,711,919
<TOTAL-LIABILITIES-AND-EQUITY>                  69,687,671
<INTEREST-LOAN>                                  1,484,249
<INTEREST-INVEST>                                1,976,957
<INTEREST-OTHER>                                    53,560
<INTEREST-TOTAL>                                 3,514,766
<INTEREST-DEPOSIT>                               1,915,637
<INTEREST-EXPENSE>                               2,210,331
<INTEREST-INCOME-NET>                            1,304,435
<LOAN-LOSSES>                                       14,000
<SECURITIES-GAINS>                                  15,339
<EXPENSE-OTHER>                                    873,485
<INCOME-PRETAX>                                    498,991
<INCOME-PRE-EXTRAORDINARY>                         498,991
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       316,920
<EPS-PRIMARY>                                          .38
<EPS-DILUTED>                                          .37
<YIELD-ACTUAL>                                        2.72
<LOANS-NON>                                              0
<LOANS-PAST>                                       501,589
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                   213,034
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                  227,034
<ALLOWANCE-DOMESTIC>                               227,034
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                            227,034
        


</TABLE>