<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-KSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1

<S>                                           <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                            250,666
<INT-BEARING-DEPOSITS>                          3,161,518
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                     3,909,755
<INVESTMENTS-CARRYING>                         14,373,813
<INVESTMENTS-MARKET>                           13,959,821
<LOANS>                                        17,155,428
<ALLOWANCE>                                       165,482
<TOTAL-ASSETS>                                 41,356,557
<DEPOSITS>                                     35,250,627
<SHORT-TERM>                                            0
<LIABILITIES-OTHER>                               321,602
<LONG-TERM>                                     1,000,000
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                           33,060
<OTHER-SE>                                      2,433,567
<TOTAL-LIABILITIES-AND-EQUITY>                 41,356,557
<INTEREST-LOAN>                                 1,322,470
<INTEREST-INVEST>                               1,033,343
<INTEREST-OTHER>                                  300,701
<INTEREST-TOTAL>                                2,656,514
<INTEREST-DEPOSIT>                              1,464,863
<INTEREST-EXPENSE>                              1,526,576
<INTEREST-INCOME-NET>                           1,129,938
<LOAN-LOSSES>                                           0
<SECURITIES-GAINS>                                 71,787
<EXPENSE-OTHER>                                 1,180,140
<INCOME-PRETAX>                                   157,312
<INCOME-PRE-EXTRAORDINARY>                              0
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                      122,312
<EPS-BASIC>                                         .41
<EPS-DILUTED>                                         .41
<YIELD-ACTUAL>                                       2.96
<LOANS-NON>                                             0
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                  198,168
<CHARGE-OFFS>                                      32,686
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                 165,482
<ALLOWANCE-DOMESTIC>                                    0
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0



</TABLE>