<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 SEPTEMBER 30, 1998 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>                                                              823
<INT-BEARING-DEPOSITS>                                              425
<FED-FUNDS-SOLD>                                                      0
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                      15,606
<INVESTMENTS-CARRYING>                                          126,997
<INVESTMENTS-MARKET>                                            128,772
<LOANS>                                                          52,610
<ALLOWANCE>                                                         697
<TOTAL-ASSETS>                                                  199,898
<DEPOSITS>                                                      140,466
<SHORT-TERM>                                                          0
<LIABILITIES-OTHER>                                               1,333
<LONG-TERM>                                                      14,000
<COMMON>                                                             41
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<OTHER-SE>                                                       42,956
<TOTAL-LIABILITIES-AND-EQUITY>                                  199,898
<INTEREST-LOAN>                                                     990
<INTEREST-INVEST>                                                 2,289
<INTEREST-OTHER>                                                     76
<INTEREST-TOTAL>                                                  3,355
<INTEREST-DEPOSIT>                                                1,513
<INTEREST-EXPENSE>                                                1,695
<INTEREST-INCOME-NET>                                             1,660
<LOAN-LOSSES>                                                        15
<SECURITIES-GAINS>                                                    0
<EXPENSE-OTHER>                                                     885
<INCOME-PRETAX>                                                     823
<INCOME-PRE-EXTRAORDINARY>                                          823
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                        456
<EPS-PRIMARY>                                                      0.18
<EPS-DILUTED>                                                      0.18
<YIELD-ACTUAL>                                                     3.35
<LOANS-NON>                                                       1,113
<LOANS-PAST>                                                        292
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                    682
<CHARGE-OFFS>                                                         0
<RECOVERIES>                                                          0
<ALLOWANCE-CLOSE>                                                   697
<ALLOWANCE-DOMESTIC>                                                697
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                               0
        

</TABLE>