<TABLE> <S> <C>

<ARTICLE>         9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM  10-QSB  FOR THE  FISCAL  QUARTER  ENDED  MARCH  31,  1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                                          <C>
<PERIOD-TYPE>                                9-MOS
<FISCAL-YEAR-END>                                                     Jun-30-1997
<PERIOD-END>                                                          Mar-31-1998
<CASH>                                                                   90,092
<INT-BEARING-DEPOSITS>                                                1,380,313
<FED-FUNDS-SOLD>                                                        225,000
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                           1,716,738
<INVESTMENTS-CARRYING>                                                        0
<INVESTMENTS-MARKET>                                                  1,022,753
<LOANS>                                                              15,059,884
<ALLOWANCE>                                                            (128,417)
<TOTAL-ASSETS>                                                       19,941,268
<DEPOSITS>                                                           10,909,558
<SHORT-TERM>                                                          1,750,000
<LIABILITIES-OTHER>                                                     422,599
<LONG-TERM>                                                                   0
<COMMON>                                                                  4,933
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<OTHER-SE>                                                            4,534,112
<TOTAL-LIABILITIES-AND-EQUITY>                                       19,941,268
<INTEREST-LOAN>                                                         350,304
<INTEREST-INVEST>                                                        70,501
<INTEREST-OTHER>                                                              0
<INTEREST-TOTAL>                                                        420,805
<INTEREST-DEPOSIT>                                                      129,246
<INTEREST-EXPENSE>                                                      153,429
<INTEREST-INCOME-NET>                                                   267,376
<LOAN-LOSSES>                                                                 0
<SECURITIES-GAINS>                                                            0
<EXPENSE-OTHER>                                                         139,094
<INCOME-PRETAX>                                                         133,862
<INCOME-PRE-EXTRAORDINARY>                                              133,862
<EXTRAORDINARY>                                                               0
<CHANGES>                                                               (61,250)
<NET-INCOME>                                                             72,612
<EPS-PRIMARY>                                                              0.19
<EPS-DILUTED>                                                              0.18
<YIELD-ACTUAL>                                                                0
<LOANS-NON>                                                                   0
<LOANS-PAST>                                                                  0
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                               0
<ALLOWANCE-OPEN>                                                       (128,417)
<CHARGE-OFFS>                                                                 0
<RECOVERIES>                                                                  0
<ALLOWANCE-CLOSE>                                                      (128,417)
<ALLOWANCE-DOMESTIC>                                                   (128,417)
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                       0
        



</TABLE>