<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION   EXTRACTED  FROM  THE
CONSOLIDATED  BALANCE  SHEET AND THE  CONSOLIDATED  STATEMENT OF INCOME FILES 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>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-END>                               DEC-31-1997
<CASH>                                             629
<INT-BEARING-DEPOSITS>                           1,430
<FED-FUNDS-SOLD>                                 2,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      3,023
<INVESTMENTS-CARRYING>                           1,000
<INVESTMENTS-MARKET>                               999
<LOANS>                                         92,238
<ALLOWANCE>                                        418
<TOTAL-ASSETS>                                 106,239
<DEPOSITS>                                      79,615
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                344
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            18
<OTHER-SE>                                      26,262
<TOTAL-LIABILITIES-AND-EQUITY>                 106,239
<INTEREST-LOAN>                                  3,703
<INTEREST-INVEST>                                  126
<INTEREST-OTHER>                                   199
<INTEREST-TOTAL>                                 4,028
<INTEREST-DEPOSIT>                               1,993
<INTEREST-EXPENSE>                               1,993
<INTEREST-INCOME-NET>                            2,035
<LOAN-LOSSES>                                       36
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    982
<INCOME-PRETAX>                                  1,049
<INCOME-PRE-EXTRAORDINARY>                         676
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       676
<EPS-PRIMARY>                                      .40
<EPS-DILUTED>                                      .40
<YIELD-ACTUAL>                                    4.00
<LOANS-NON>                                        876
<LOANS-PAST>                                       329
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   397
<CHARGE-OFFS>                                       15
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  418
<ALLOWANCE-DOMESTIC>                               418
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>