<TABLE> <S> <C>


<ARTICLE>                                                9              
<MULTIPLIER>                                         1,000
       
<S>                                                  <C>
<PERIOD-TYPE>                                        9-MOS
<FISCAL-YEAR-END>                              JUN-30-1998
<PERIOD-START>                                 JUL-01-1997
<PERIOD-END>                                   MAR-31-1998
<CASH>                                               1,396
<INT-BEARING-DEPOSITS>                                 583
<FED-FUNDS-SOLD>                                       273
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          5,477
<INVESTMENTS-CARRYING>                               8,771
<INVESTMENTS-MARKET>                                 8,229
<LOANS>                                             83,123
<ALLOWANCE>                                            555
<TOTAL-ASSETS>                                     101,734
<DEPOSITS>                                          75,370
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    606
<LONG-TERM>                                         14,580
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                11
<OTHER-SE>                                          11,167
<TOTAL-LIABILITIES-AND-EQUITY>                     101,734
<INTEREST-LOAN>                                      4,940
<INTEREST-INVEST>                                      607
<INTEREST-OTHER>                                        22
<INTEREST-TOTAL>                                     5,569
<INTEREST-DEPOSIT>                                   2,659
<INTEREST-EXPENSE>                                   3,052
<INTEREST-INCOME-NET>                                2,517
<LOAN-LOSSES>                                          120
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,511
<INCOME-PRETAX>                                      1,021
<INCOME-PRE-EXTRAORDINARY>                             675
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           675
<EPS-PRIMARY>                                          .53
<EPS-DILUTED>                                          .52
<YIELD-ACTUAL>                                        3.55
<LOANS-NON>                                              0
<LOANS-PAST>                                           515
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       459
<CHARGE-OFFS>                                            8
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      555
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                555
        


</TABLE>