<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>                                  9-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-START>                                 JUL-01-1998
<PERIOD-END>                                   MAR-31-1999
<CASH>                                              927
<INT-BEARING-DEPOSITS>                              654
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                       3,993
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                          99,910
<ALLOWANCE>                                         464
<TOTAL-ASSETS>                                  109,429
<DEPOSITS>                                       83,680
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                                 269
<LONG-TERM>                                       7,000
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                             18
<OTHER-SE>                                       18,462
<TOTAL-LIABILITIES-AND-EQUITY>                  109,429
<INTEREST-LOAN>                                   5,719
<INTEREST-INVEST>                                   171
<INTEREST-OTHER>                                    145
<INTEREST-TOTAL>                                  6,035
<INTEREST-DEPOSIT>                                2,913
<INTEREST-EXPENSE>                                3,247
<INTEREST-INCOME-NET>                             2,788
<LOAN-LOSSES>                                        41
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                   2,152
<INCOME-PRETAX>                                     647
<INCOME-PRE-EXTRAORDINARY>                          414
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        414
<EPS-PRIMARY>                                       .26
<EPS-DILUTED>                                       .26
<YIELD-ACTUAL>                                     3.58 
<LOANS-NON>                                         594
<LOANS-PAST>                                        425
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                    426
<CHARGE-OFFS>                                        23
<RECOVERIES>                                         20
<ALLOWANCE-CLOSE>                                   464
<ALLOWANCE-DOMESTIC>                                464
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0
        

</TABLE>