<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, 1998
     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-30-1998
<PERIOD-START>                                 JUL-01-1997
<PERIOD-END>                                   JUN-30-1998
<CASH>                                           2,616
<INT-BEARING-DEPOSITS>                           2,010
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,498
<INVESTMENTS-CARRYING>                         135,446
<INVESTMENTS-MARKET>                           136,883
<LOANS>                                         47,631
<ALLOWANCE>                                        682
<TOTAL-ASSETS>                                 200,341
<DEPOSITS>                                     139,858
<SHORT-TERM>                                    13,000
<LIABILITIES-OTHER>                              2,518
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            41
<OTHER-SE>                                      43,165
<TOTAL-LIABILITIES-AND-EQUITY>                 200,341
<INTEREST-LOAN>                                  3,720
<INTEREST-INVEST>                                8,561
<INTEREST-OTHER>                                   362
<INTEREST-TOTAL>                                12,643
<INTEREST-DEPOSIT>                               5,789
<INTEREST-EXPENSE>                                 249
<INTEREST-INCOME-NET>                            6,609
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,474
<INCOME-PRETAX>                                  3,300
<INCOME-PRE-EXTRAORDINARY>                       1,446
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,854
<EPS-PRIMARY>                                     0.68
<EPS-DILUTED>                                     0.66
<YIELD-ACTUAL>                                    3.55
<LOANS-NON>                                      1,121
<LOANS-PAST>                                       370
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   622
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  682
<ALLOWANCE-DOMESTIC>                               682
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>