<TABLE> <S> <C>

<ARTICLE>                               9
<LEGEND>                                
                    THE   FOLLOWING    SCHEDULE   CONTAINS   SUMMARY   FINANCIAL
                    INFORMATION   EXTRACTED   FROM  THE   FINANCIAL   STATEMENTS
                    CONTAINED  IN THE  REGISTRANT'S  QUARTERLY  REPORT  ON  FORM
                    10-QSB  FOR  THE  PERIOD  ENDED  DECEMBER  31,  1998  AND IS
                    QUALIFIED IN  ITS  ENTIRETY BY  REFERENCE TO SUCH  FINANCIAL
                    STATEMENTS
</LEGEND>
<MULTIPLIER>                            1
       
<S>                                     <C>
<PERIOD-TYPE>                           6-MOS
<FISCAL-YEAR-END>                       JUN-30-1999
<PERIOD-END>                            DEC-31-1998
<CASH>                                  1,727,378
<INT-BEARING-DEPOSITS>                  1,738,467
<FED-FUNDS-SOLD>                                0
<TRADING-ASSETS>                                0
<INVESTMENTS-HELD-FOR-SALE>                     0
<INVESTMENTS-CARRYING>                      6,459
<INVESTMENTS-MARKET>                            0
<LOANS>                                77,635,036
<ALLOWANCE>                               417,093
<TOTAL-ASSETS>                         84,260,840
<DEPOSITS>                             44,563,220
<SHORT-TERM>                                    0
<LIABILITIES-OTHER>                     1,081,825
<LONG-TERM>                            25,163,279
<COMMON>                                   16,313
<PREFERRED-MANDATORY>                           0
<PREFERRED>                                     0
<OTHER-SE>                             13,436,203
<TOTAL-LIABILITIES-AND-EQUITY>         84,260,840
<INTEREST-LOAN>                         3,270,388
<INTEREST-INVEST>                             241
<INTEREST-OTHER>                          103,810
<INTEREST-TOTAL>                        3,374,439
<INTEREST-DEPOSIT>                        815,809
<INTEREST-EXPENSE>                      1,574,428
<INTEREST-INCOME-NET>                   1,800,011
<LOAN-LOSSES>                              36,000
<SECURITIES-GAINS>                              0
<EXPENSE-OTHER>                         1,293,213
<INCOME-PRETAX>                           880,319
<INCOME-PRE-EXTRAORDINARY>                565,319
<EXTRAORDINARY>                                 0
<CHANGES>                                       0
<NET-INCOME>                              565,319
<EPS-PRIMARY>                                0.45
<EPS-DILUTED>                                0.44
<YIELD-ACTUAL>                                  0
<LOANS-NON>                               158,629
<LOANS-PAST>                              610,905
<LOANS-TROUBLED>                                0
<LOANS-PROBLEM>                                 0
<ALLOWANCE-OPEN>                          391,148
<CHARGE-OFFS>                              11,161
<RECOVERIES>                                1,106
<ALLOWANCE-CLOSE>                         417,093
<ALLOWANCE-DOMESTIC>                            0
<ALLOWANCE-FOREIGN>                             0
<ALLOWANCE-UNALLOCATED>                         0
        


</TABLE>