<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-30-1998 
<PERIOD-END>                                     Sep-30-1998 
<CASH>                                              1,824 
<INT-BEARING-DEPOSITS>                              6,396
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        20,842
<INVESTMENTS-CARRYING>                                303
<INVESTMENTS-MARKET>                                  303    
<LOANS>                                            47,390 
<ALLOWANCE>                                           210
<TOTAL-ASSETS>                                     81,883
<DEPOSITS>                                         65,702
<SHORT-TERM>                                        7,000
<LIABILITIES-OTHER>                                   895
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0   
<COMMON>                                               49
<OTHER-SE>                                          8,237
<TOTAL-LIABILITIES-AND-EQUITY>                     81,883
<INTEREST-LOAN>                                     1,001
<INTEREST-INVEST>                                     492
<INTEREST-OTHER>                                        0
<INTEREST-TOTAL>                                    1,493
<INTEREST-DEPOSIT>                                    790
<INTEREST-EXPENSE>                                    889
<INTEREST-INCOME-NET>                                 604
<LOAN-LOSSES>                                           3   
<SECURITIES-GAINS>                                      0   
<EXPENSE-OTHER>                                       613
<INCOME-PRETAX>                                       137
<INCOME-PRE-EXTRAORDINARY>                            137
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                           85
<EPS-PRIMARY>                                         .18                        
<EPS-DILUTED>                                         .18
<YIELD-ACTUAL>                                       3.07
<LOANS-NON>                                             0
<LOANS-PAST>                                            0 
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                      207
<CHARGE-OFFS>                                           0
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                     210
<ALLOWANCE-DOMESTIC>                                  210
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0
        


</TABLE>