<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
The  schedule  contains  summary  financial   information   extracted  from  the
consolidated  balance  sheet and the  consolidated  statement of income filed as
part of the  quarterly  report on Form 10-Q and is  qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000 
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-END>                               SEP-30-1997
<CASH>                                             751
<INT-BEARING-DEPOSITS>                           1,184
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,523
<INVESTMENTS-CARRYING>                           1,500
<INVESTMENTS-MARKET>                             1,499
<LOANS>                                         91,405
<ALLOWANCE>                                        413
<TOTAL-ASSETS>                                 102,835
<DEPOSITS>                                      76,399
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                422
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            18
<OTHER-SE>                                      25,996
<TOTAL-LIABILITIES-AND-EQUITY>                 102,835
<INTEREST-LOAN>                                  1,836
<INTEREST-INVEST>                                   64
<INTEREST-OTHER>                                    95
<INTEREST-TOTAL>                                 1,994
<INTEREST-DEPOSIT>                                 979
<INTEREST-EXPENSE>                                 979
<INTEREST-INCOME-NET>                            1,015
<LOAN-LOSSES>                                       26
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    481
<INCOME-PRETAX>                                    524
<INCOME-PRE-EXTRAORDINARY>                         338
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       338
<EPS-PRIMARY>                                     0.20
<EPS-DILUTED>                                     0.20
<YIELD-ACTUAL>                                    4.04
<LOANS-NON>                                        802
<LOANS-PAST>                                       228
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   397
<CHARGE-OFFS>                                       11
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  413
<ALLOWANCE-DOMESTIC>                               413
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>