<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-30-1998
<PERIOD-END>                                      DEC-31-1997
<CASH>                                                    911
<INT-BEARING-DEPOSITS>                                 20,307
<FED-FUNDS-SOLD>                                            0
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                             4,204
<INVESTMENTS-CARRYING>                                 20,598
<INVESTMENTS-MARKET>                                   20,743
<LOANS>                                               173,233
<ALLOWANCE>                                             2,174
<TOTAL-ASSETS>                                        230,616
<DEPOSITS>                                            143,601
<SHORT-TERM>                                           15,131
<LIABILITIES-OTHER>                                     2,343
<LONG-TERM>                                                 0
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                                  622
<OTHER-SE>                                             68,919
<TOTAL-LIABILITIES-AND-EQUITY>                        230,616
<INTEREST-LOAN>                                         7,098
<INTEREST-INVEST>                                         759
<INTEREST-OTHER>                                          294
<INTEREST-TOTAL>                                        8,151
<INTEREST-DEPOSIT>                                      3,608
<INTEREST-EXPENSE>                                      4,507
<INTEREST-INCOME-NET>                                   3,643
<LOAN-LOSSES>                                              63
<SECURITIES-GAINS>                                         57
<EXPENSE-OTHER>                                         2,259
<INCOME-PRETAX>                                         1,771
<INCOME-PRE-EXTRAORDINARY>                              1,771
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                            1,111
<EPS-PRIMARY>                                               0<F1>                                 
<EPS-DILUTED>                                               0
<YIELD-ACTUAL>                                           3.63
<LOANS-NON>                                               918
<LOANS-PAST>                                                0
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                           474
<ALLOWANCE-OPEN>                                        2,177
<CHARGE-OFFS>                                              67
<RECOVERIES>                                                0
<ALLOWANCE-CLOSE>                                       2,174
<ALLOWANCE-DOMESTIC>                                    2,174
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                     0
<FN>
<F1> BASIC EARNINGS PER SHARE
</FN>
        


</TABLE>