<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-QSB FOR THE FISCAL  YEAR ENDED JUNE 30, 1999 AND IS  QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                                   Jun-30-1999
<PERIOD-END>                                        Dec-31-1998
<CASH>                                                   96,978
<INT-BEARING-DEPOSITS>                                1,718,591
<FED-FUNDS-SOLD>                                      1,188,000
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                           1,373,193
<INVESTMENTS-CARRYING>                                        0
<INVESTMENTS-MARKET>                                  4,416,959
<LOANS>                                              16,323,642
<ALLOWANCE>                                            (140,917)
<TOTAL-ASSETS>                                       25,700,740
<DEPOSITS>                                           16,386,468
<SHORT-TERM>                                          1,750,000
<LIABILITIES-OTHER>                                     430,531
<LONG-TERM>                                                   0
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<COMMON>                                                  4,933
<OTHER-SE>                                            4,546,806
<TOTAL-LIABILITIES-AND-EQUITY>                       25,700,740
<INTEREST-LOAN>                                         399,681
<INTEREST-INVEST>                                       129,841
<INTEREST-OTHER>                                              0
<INTEREST-TOTAL>                                        529,522
<INTEREST-DEPOSIT>                                      206,535
<INTEREST-EXPENSE>                                       24,721
<INTEREST-INCOME-NET>                                   298,266
<LOAN-LOSSES>                                             2,500
<SECURITIES-GAINS>                                            0
<EXPENSE-OTHER>                                         184,399
<INCOME-PRETAX>                                         119,653
<INCOME-PRE-EXTRAORDINARY>                              119,653
<EXTRAORDINARY>                                               0
<CHANGES>                                               (55,000)
<NET-INCOME>                                             64,653
<EPS-PRIMARY>                                              0.13
<EPS-DILUTED>                                              0.13
<YIELD-ACTUAL>                                                0
<LOANS-NON>                                                   0
<LOANS-PAST>                                                  0
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                       (138,417)
<CHARGE-OFFS>                                            (2,500)
<RECOVERIES>                                                  0
<ALLOWANCE-CLOSE>                                      (140,917)
<ALLOWANCE-DOMESTIC>                                   (140,917)
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                       0
        


</TABLE>