<TABLE> <S> <C>


<ARTICLE>                                                                   9
<MULTIPLIER>                                                            1,000
       
<S>                                                                       <C>
<PERIOD-TYPE>                                                           9-MOS
<FISCAL-YEAR-END>                                                 JUN-30-1999
<PERIOD-START>                                                    JUL-01-1998
<PERIOD-END>                                                      MAR-31-1999
<CASH>                                                                  1,151
<INT-BEARING-DEPOSITS>                                                  4,857
<FED-FUNDS-SOLD>                                                            0
<TRADING-ASSETS>                                                            0
<INVESTMENTS-HELD-FOR-SALE>                                            14,119
<INVESTMENTS-CARRYING>                                                  4,996
<INVESTMENTS-MARKET>                                                    5,041
<LOANS>                                                                82,018
<ALLOWANCE>                                                               269
<TOTAL-ASSETS>                                                        110,316
<DEPOSITS>                                                             69,385
<SHORT-TERM>                                                              724
<LIABILITIES-OTHER>                                                       903
<LONG-TERM>                                                            23,011
<PREFERRED-MANDATORY>                                                       0
<PREFERRED>                                                                 0
<COMMON>                                                                    0
<OTHER-SE>                                                             16,293
<TOTAL-LIABILITIES-AND-EQUITY>                                        110,316
<INTEREST-LOAN>                                                         4,090
<INTEREST-INVEST>                                                         809
<INTEREST-OTHER>                                                          192
<INTEREST-TOTAL>                                                        5,091
<INTEREST-DEPOSIT>                                                      2,237
<INTEREST-EXPENSE>                                                      2,915
<INTEREST-INCOME-NET>                                                   2,176
<LOAN-LOSSES>                                                               0
<SECURITIES-GAINS>                                                          0
<EXPENSE-OTHER>                                                         1,746
<INCOME-PRETAX>                                                           605
<INCOME-PRE-EXTRAORDINARY>                                                403
<EXTRAORDINARY>                                                             0
<CHANGES>                                                                   0
<NET-INCOME>                                                              403
<EPS-PRIMARY>                                                             .30
<EPS-DILUTED>                                                             .29
<YIELD-ACTUAL>                                                           2.94
<LOANS-NON>                                                                31
<LOANS-PAST>                                                               20
<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>