<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>                                           7,069
<INT-BEARING-DEPOSITS>                           5,899
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                        297
<INVESTMENTS-CARRYING>                          20,742
<INVESTMENTS-MARKET>                               297
<LOANS>                                         46,593
<ALLOWANCE>                                        213
<TOTAL-ASSETS>                                  84,806
<DEPOSITS>                                      66,699
<SHORT-TERM>                                     9,000
<LIABILITIES-OTHER>                                707
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            49
<OTHER-SE>                                       8,346
<TOTAL-LIABILITIES-AND-EQUITY>                  84,806
<INTEREST-LOAN>                                  2,001
<INTEREST-INVEST>                                  969
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 2,970
<INTEREST-DEPOSIT>                               1,530
<INTEREST-EXPENSE>                               1,753
<INTEREST-INCOME-NET>                            1,217
<LOAN-LOSSES>                                        6
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,235
<INCOME-PRETAX>                                    318
<INCOME-PRE-EXTRAORDINARY>                         318
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       196
<EPS-PRIMARY>                                      .42
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                    7.41
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   210
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  213
<ALLOWANCE-DOMESTIC>                               213
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>