<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-30-1999
<PERIOD-START>                                 JUL-01-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                                    845
<INT-BEARING-DEPOSITS>                                  3,020
<FED-FUNDS-SOLD>                                            0
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                             3,512
<INVESTMENTS-CARRYING>                                      0
<INVESTMENTS-MARKET>                                        0
<LOANS>                                                97,284
<ALLOWANCE>                                               457
<TOTAL-ASSETS>                                        108,461
<DEPOSITS>                                             81,889
<SHORT-TERM>                                              700
<LIABILITIES-OTHER>                                       383
<LONG-TERM>                                             7,000
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                                   18
<OTHER-SE>                                             18,470
<TOTAL-LIABILITIES-AND-EQUITY>                        108,461
<INTEREST-LOAN>                                         3,802
<INTEREST-INVEST>                                         121
<INTEREST-OTHER>                                          105
<INTEREST-TOTAL>                                        4,028
<INTEREST-DEPOSIT>                                      1,956
<INTEREST-EXPENSE>                                      2,176
<INTEREST-INCOME-NET>                                   1,852
<LOAN-LOSSES>                                              53
<SECURITIES-GAINS>                                          0
<EXPENSE-OTHER>                                         1,465
<INCOME-PRETAX>                                           368
<INCOME-PRE-EXTRAORDINARY>                                235
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                              235
<EPS-PRIMARY>                                             .14
<EPS-DILUTED>                                             .14
<YIELD-ACTUAL>                                           3.60 
<LOANS-NON>                                               578
<LOANS-PAST>                                              372
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                          426
<CHARGE-OFFS>                                              23
<RECOVERIES>                                                1
<ALLOWANCE-CLOSE>                                         457
<ALLOWANCE-DOMESTIC>                                      457
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                     0
          

</TABLE>