<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
       
<S>                                                                          <C>
<PERIOD-TYPE>                                                              6-MOS
<FISCAL-YEAR-END>                                                    JUN-30-1999
<PERIOD-START>                                                       JUL-01-1998
<PERIOD-END>                                                         DEC-31-1998
<CASH>                                                                     2,260
<INT-BEARING-DEPOSITS>                                                     1,852
<FED-FUNDS-SOLD>                                                             565
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               17,283
<INVESTMENTS-CARRYING>                                                     4,239
<INVESTMENTS-MARKET>                                                       4,003
<LOANS>                                                                   86,068
<ALLOWANCE>                                                                  586
<TOTAL-ASSETS>                                                           114,876
<DEPOSITS>                                                                78,827
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                          608
<LONG-TERM>                                                               25,393
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                      17
<OTHER-SE>                                                                10,031
<TOTAL-LIABILITIES-AND-EQUITY>                                           114,876
<INTEREST-LOAN>                                                            3,436
<INTEREST-INVEST>                                                            537
<INTEREST-OTHER>                                                             107
<INTEREST-TOTAL>                                                           4,080
<INTEREST-DEPOSIT>                                                         1,819
<INTEREST-EXPENSE>                                                         2,414
<INTEREST-INCOME-NET>                                                      1,666
<LOAN-LOSSES>                                                                 52
<SECURITIES-GAINS>                                                             6
<EXPENSE-OTHER>                                                            1,084
<INCOME-PRETAX>                                                              659
<INCOME-PRE-EXTRAORDINARY>                                                   440
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 440
<EPS-PRIMARY>                                                                .38
<EPS-DILUTED>                                                                .37
<YIELD-ACTUAL>                                                              3.08
<LOANS-NON>                                                                  762
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             563
<CHARGE-OFFS>                                                                 42
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                            586
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      586
        


</TABLE>