<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
       
<S>                                                                          <C>
<PERIOD-TYPE>                                                              6-MOS
<FISCAL-YEAR-END>                                                    JUN-30-1999
<PERIOD-START>                                                       JUL-01-1998
<PERIOD-END>                                                         DEC-31-1998
<CASH>                                                                       971
<INT-BEARING-DEPOSITS>                                                     4,043
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               15,794
<INVESTMENTS-CARRYING>                                                     5,155
<INVESTMENTS-MARKET>                                                       5,310
<LOANS>                                                                   78,434
<ALLOWANCE>                                                                  269
<TOTAL-ASSETS>                                                           107,472
<DEPOSITS>                                                                67,780
<SHORT-TERM>                                                                 435
<LIABILITIES-OTHER>                                                          620
<LONG-TERM>                                                               22,318
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                16,319
<TOTAL-LIABILITIES-AND-EQUITY>                                           107,472
<INTEREST-LOAN>                                                            2,677
<INTEREST-INVEST>                                                            517
<INTEREST-OTHER>                                                             128
<INTEREST-TOTAL>                                                           3,322
<INTEREST-DEPOSIT>                                                         1,507
<INTEREST-EXPENSE>                                                         1,898
<INTEREST-INCOME-NET>                                                      1,424
<LOAN-LOSSES>                                                                  0
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            1,174
<INCOME-PRETAX>                                                              367
<INCOME-PRE-EXTRAORDINARY>                                                   246
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 246
<EPS-PRIMARY>                                                                .18
<EPS-DILUTED>                                                                .18
<YIELD-ACTUAL>                                                              3.46
<LOANS-NON>                                                                   83
<LOANS-PAST>                                                                  10
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             270
<CHARGE-OFFS>                                                                  1
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                            269
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      269
        


</TABLE>