<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-30-1998
<PERIOD-END>                                   DEC-31-1997
<CASH>                                               4,835
<INT-BEARING-DEPOSITS>                               5,685
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         14,713
<INVESTMENTS-CARRYING>                                 332
<INVESTMENTS-MARKET>                                   332
<LOANS>                                             48,620
<ALLOWANCE>                                            200
<TOTAL-ASSETS>                                      78,282
<DEPOSITS>                                          64,813
<SHORT-TERM>                                         2,500
<LIABILITIES-OTHER>                                    554
<LONG-TERM>                                          2,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                51
<OTHER-SE>                                           8,364
<TOTAL-LIABILITIES-AND-EQUITY>                      78,282
<INTEREST-LOAN>                                      2,136
<INTEREST-INVEST>                                      681
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     2,817
<INTEREST-DEPOSIT>                                   1,390
<INTEREST-EXPENSE>                                     117
<INTEREST-INCOME-NET>                                1,310
<LOAN-LOSSES>                                           27
<SECURITIES-GAINS>                                     (17)
<EXPENSE-OTHER>                                      1,081
<INCOME-PRETAX>                                        372
<INCOME-PRE-EXTRAORDINARY>                             372
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           231
<EPS-PRIMARY>                                          .48<F1>
<EPS-DILUTED>                                          .48
<YIELD-ACTUAL>                                        8.22
<LOANS-NON>                                              0
<LOANS-PAST>                                            23
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       217
<CHARGE-OFFS>                                           44
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      200
<ALLOWANCE-DOMESTIC>                                   200
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
<FN>
<F1> BASIC EPS
</FN>
        


</TABLE>