<TABLE> <S> <C>

<ARTICLE>                  9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT  FILED ON FORM 10-Q FOR THE FISCAL  QUARTER  ENDED  MARCH 31, 1999 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-END>                                                  MAR-31-1999
<CASH>                                                              899
<INT-BEARING-DEPOSITS>                                            2,895
<FED-FUNDS-SOLD>                                                      0
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                      16,150
<INVESTMENTS-CARRYING>                                          121,312
<INVESTMENTS-MARKET>                                            122,378
<LOANS>                                                          55,549
<ALLOWANCE>                                                         727
<TOTAL-ASSETS>                                                  201,192
<DEPOSITS>                                                      147,069
<SHORT-TERM>                                                          0
<LIABILITIES-OTHER>                                               2,646
<LONG-TERM>                                                      23,000
<COMMON>                                                             41
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<OTHER-SE>                                                       28,436
<TOTAL-LIABILITIES-AND-EQUITY>                                  201,192
<INTEREST-LOAN>                                                   3,054
<INTEREST-INVEST>                                                 6,648
<INTEREST-OTHER>                                                    349
<INTEREST-TOTAL>                                                 10,051
<INTEREST-DEPOSIT>                                                4,489
<INTEREST-EXPENSE>                                                5,185
<INTEREST-INCOME-NET>                                             4,866
<LOAN-LOSSES>                                                        45
<SECURITIES-GAINS>                                                    0
<EXPENSE-OTHER>                                                   2,701
<INCOME-PRETAX>                                                   2,313
<INCOME-PRE-EXTRAORDINARY>                                        2,313
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                      1,295
<EPS-PRIMARY>                                                      0.56
<EPS-DILUTED>                                                      0.54
<YIELD-ACTUAL>                                                     3.22
<LOANS-NON>                                                       1,223
<LOANS-PAST>                                                        324
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                    682
<CHARGE-OFFS>                                                         0
<RECOVERIES>                                                          0
<ALLOWANCE-CLOSE>                                                   727
<ALLOWANCE-DOMESTIC>                                                727
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                               0
        


</TABLE>