<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY  REPORT ON FORM 10-Q AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-END>                                   DEC-31-1998
<CASH>                                           1,031
<INT-BEARING-DEPOSITS>                           7,430
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,104
<INVESTMENTS-CARRYING>                          17,394
<INVESTMENTS-MARKET>                            17,202
<LOANS>                                        236,366
<ALLOWANCE>                                      2,290
<TOTAL-ASSETS>                                 288,438
<DEPOSITS>                                     136,810
<SHORT-TERM>                                    81,828
<LIABILITIES-OTHER>                              3,369
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           623
<OTHER-SE>                                      65,806
<TOTAL-LIABILITIES-AND-EQUITY>                 288,438
<INTEREST-LOAN>                                  8,974
<INTEREST-INVEST>                                  875
<INTEREST-OTHER>                                   268
<INTEREST-TOTAL>                                10,117
<INTEREST-DEPOSIT>                               3,102
<INTEREST-EXPENSE>                               5,192
<INTEREST-INCOME-NET>                            4,925
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                  (7)
<EXPENSE-OTHER>                                  2,915
<INCOME-PRETAX>                                  2,494
<INCOME-PRE-EXTRAORDINARY>                       2,494
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,619
<EPS-PRIMARY>                                      .29
<EPS-DILUTED>                                      .28
<YIELD-ACTUAL>                                    3.73
<LOANS-NON>                                        988
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,192
<CHARGE-OFFS>                                       17
<RECOVERIES>                                        25
<ALLOWANCE-CLOSE>                                2,290
<ALLOWANCE-DOMESTIC>                             2,290
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>