<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 DECEMBER 31, 1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                1,000
       
<S>                                                <C>
<PERIOD-TYPE>                                                 6-MOS
<FISCAL-YEAR-END>                                             JUN-30-1999
<PERIOD-END>                                                  DEC-31-1998
<CASH>                                                            1,401
<INT-BEARING-DEPOSITS>                                           15,020
<FED-FUNDS-SOLD>                                                      0
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                      21,289
<INVESTMENTS-CARRYING>                                          118,837
<INVESTMENTS-MARKET>                                            120,227
<LOANS>                                                          53,350
<ALLOWANCE>                                                         712
<TOTAL-ASSETS>                                                  213,495
<DEPOSITS>                                                      146,189
<SHORT-TERM>                                                          0
<LIABILITIES-OTHER>                                               1,389
<LONG-TERM>                                                      23,000
<COMMON>                                                             41
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<OTHER-SE>                                                       42,875
<TOTAL-LIABILITIES-AND-EQUITY>                                  213,495
<INTEREST-LOAN>                                                   2,022
<INTEREST-INVEST>                                                 4,485
<INTEREST-OTHER>                                                    218
<INTEREST-TOTAL>                                                  6,725
<INTEREST-DEPOSIT>                                                3,021
<INTEREST-EXPENSE>                                                3,425
<INTEREST-INCOME-NET>                                             3,300
<LOAN-LOSSES>                                                        30
<SECURITIES-GAINS>                                                    0
<EXPENSE-OTHER>                                                   1,785
<INCOME-PRETAX>                                                   1,617
<INCOME-PRE-EXTRAORDINARY>                                        1,617
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                        900
<EPS-PRIMARY>                                                      0.36
<EPS-DILUTED>                                                      0.35
<YIELD-ACTUAL>                                                     3.28
<LOANS-NON>                                                       1,101
<LOANS-PAST>                                                        337
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                    682
<CHARGE-OFFS>                                                         0
<RECOVERIES>                                                          0
<ALLOWANCE-CLOSE>                                                   712
<ALLOWANCE-DOMESTIC>                                                712
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                               0
        


</TABLE>