<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-KSB FOR THE FISCAL  YEAR ENDED JUNE 30, 1998 AND IS  QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>               
<MULTIPLIER>                                   1,000
       
<S>                                  <C>
<PERIOD-TYPE>                        12-MOS
<FISCAL-YEAR-END>                                                   JUN-30-1998
<PERIOD-END>                                                        JUN-30-1998
<CASH>                                                                    1,777
<INT-BEARING-DEPOSITS>                                                    1,099
<FED-FUNDS-SOLD>                                                              0
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                               4,350
<INVESTMENTS-CARRYING>                                                    1,140
<INVESTMENTS-MARKET>                                                      1,095
<LOANS>                                                                  45,036
<ALLOWANCE>                                                                (518)
<TOTAL-ASSETS>                                                           58,069
<DEPOSITS>                                                               46,881
<SHORT-TERM>                                                                  0
<LIABILITIES-OTHER>                                                         687
<LONG-TERM>                                                               3,070
<PREFERRED-MANDATORY>                                                         6
<PREFERRED>                                                                   0
<COMMON>                                                                      0
<OTHER-SE>                                                                7,425
<TOTAL-LIABILITIES-AND-EQUITY>                                           58,069
<INTEREST-LOAN>                                                           3,653
<INTEREST-INVEST>                                                           944
<INTEREST-OTHER>                                                             61
<INTEREST-TOTAL>                                                          4,658
<INTEREST-DEPOSIT>                                                        2,187
<INTEREST-EXPENSE>                                                        2,851
<INTEREST-INCOME-NET>                                                     1,807
<LOAN-LOSSES>                                                                92
<SECURITIES-GAINS>                                                            0
<EXPENSE-OTHER>                                                           2,172
<INCOME-PRETAX>                                                             257
<INCOME-PRE-EXTRAORDINARY>                                                  257
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                                138
<EPS-PRIMARY>                                                              0.29
<EPS-DILUTED>                                                              0.28
<YIELD-ACTUAL>                                                             2.90
<LOANS-NON>                                                               1,767
<LOANS-PAST>                                                                  0
<LOANS-TROUBLED>                                                            637
<LOANS-PROBLEM>                                                               0
<ALLOWANCE-OPEN>                                                           (523)
<CHARGE-OFFS>                                                                97
<RECOVERIES>                                                                  0
<ALLOWANCE-CLOSE>                                                          (518)
<ALLOWANCE-DOMESTIC>                                                       (518)
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                     (81)
        


</TABLE>