<TABLE> <S> <C>

<ARTICLE>                  9
<LEGEND>
THE SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT  FILED ON FORM  10-K  FOR THE  FISCAL  YEAR  ENDED  JUNE 30,  1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                1,000

<S>                                                           <C>
<PERIOD-TYPE>                                                 12-MOS
<FISCAL-YEAR-END>                                             JUN-30-1999
<PERIOD-END>                                                  JUN-30-1999
<CASH>                                                              957
<INT-BEARING-DEPOSITS>                                            3,200
<FED-FUNDS-SOLD>                                                      0
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                      15,673
<INVESTMENTS-CARRYING>                                          119,122
<INVESTMENTS-MARKET>                                            118,675
<LOANS>                                                          63,436
<ALLOWANCE>                                                         742
<TOTAL-ASSETS>                                                  206,932
<DEPOSITS>                                                      148,693
<SHORT-TERM>                                                          0
<LIABILITIES-OTHER>                                               2,888
<LONG-TERM>                                                      28,000
<COMMON>                                                             41
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<OTHER-SE>                                                       27,310
<TOTAL-LIABILITIES-AND-EQUITY>                                  206,932
<INTEREST-LOAN>                                                   4,152
<INTEREST-INVEST>                                                 8,731
<INTEREST-OTHER>                                                    416
<INTEREST-TOTAL>                                                 13,299
<INTEREST-DEPOSIT>                                                5,966
<INTEREST-EXPENSE>                                                6,967
<INTEREST-INCOME-NET>                                             6,332
<LOAN-LOSSES>                                                        60
<SECURITIES-GAINS>                                                    0
<EXPENSE-OTHER>                                                   3,806
<INCOME-PRETAX>                                                   2,721
<INCOME-PRE-EXTRAORDINARY>                                        2,721
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                      1,523
<EPS-BASIC>                                                      0.71
<EPS-DILUTED>                                                      0.69
<YIELD-ACTUAL>                                                     3.15
<LOANS-NON>                                                         698
<LOANS-PAST>                                                        432
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                    682
<CHARGE-OFFS>                                                         0
<RECOVERIES>                                                          0
<ALLOWANCE-CLOSE>                                                   742
<ALLOWANCE-DOMESTIC>                                                742
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                               0



</TABLE>