<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
       
<S>                                                                          <C>
<PERIOD-TYPE>                                                              3-MOS
<FISCAL-YEAR-END>                                                    JUN-30-1999
<PERIOD-START>                                                       JUL-01-1998
<PERIOD-END>                                                         SEP-30-1998
<CASH>                                                                     1,003
<INT-BEARING-DEPOSITS>                                                       870
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               13,626
<INVESTMENTS-CARRYING>                                                     6,595
<INVESTMENTS-MARKET>                                                       6,806
<LOANS>                                                                   73,603
<ALLOWANCE>                                                                  270
<TOTAL-ASSETS>                                                            98,865
<DEPOSITS>                                                                64,906
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        1,041
<LONG-TERM>                                                               17,019
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                15,899
<TOTAL-LIABILITIES-AND-EQUITY>                                            98,865
<INTEREST-LOAN>                                                            1,308
<INTEREST-INVEST>                                                            238
<INTEREST-OTHER>                                                              69
<INTEREST-TOTAL>                                                           1,615
<INTEREST-DEPOSIT>                                                           752
<INTEREST-EXPENSE>                                                           919
<INTEREST-INCOME-NET>                                                        696
<LOAN-LOSSES>                                                                  0
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                              570
<INCOME-PRETAX>                                                              174
<INCOME-PRE-EXTRAORDINARY>                                                   115
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 115
<EPS-PRIMARY>                                                                .09
<EPS-DILUTED>                                                                .08
<YIELD-ACTUAL>                                                              3.02
<LOANS-NON>                                                                   86
<LOANS-PAST>                                                                  12
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             270
<CHARGE-OFFS>                                                                  0
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                            270
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      270
        


</TABLE>