<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-30-1999
<PERIOD-END>                               SEP-30-1998
<CASH>                                             918
<INT-BEARING-DEPOSITS>                           1,166
<FED-FUNDS-SOLD>                                 2,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      3,529
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         96,122
<ALLOWANCE>                                        446
<TOTAL-ASSETS>                                 107,078
<DEPOSITS>                                      79,687
<SHORT-TERM>                                     1,000
<LIABILITIES-OTHER>                                255
<LONG-TERM>                                      7,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            18
<OTHER-SE>                                      19,118
<TOTAL-LIABILITIES-AND-EQUITY>                 107,078
<INTEREST-LOAN>                                  1,872
<INTEREST-INVEST>                                   64
<INTEREST-OTHER>                                    64
<INTEREST-TOTAL>                                 2,000
<INTEREST-DEPOSIT>                                 978
<INTEREST-EXPENSE>                               1,086
<INTEREST-INCOME-NET>                              914
<LOAN-LOSSES>                                       37
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    708
<INCOME-PRETAX>                                    183
<INCOME-PRE-EXTRAORDINARY>                         117
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       117
<EPS-PRIMARY>                                      .07
<EPS-DILUTED>                                      .07
<YIELD-ACTUAL>                                    3.56
<LOANS-NON>                                        543
<LOANS-PAST>                                       379
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   426
<CHARGE-OFFS>                                       16
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  446
<ALLOWANCE-DOMESTIC>                               446
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>