<TABLE> <S> <C>


<ARTICLE>                                               9
                 
<MULTIPLIER>                                        1,000
       
<S>                                                 <C>
<PERIOD-TYPE>                                       6-MOS
<FISCAL-YEAR-END>                              JUN-30-1998
<PERIOD-START>                                 JUL-01-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                               1,673
<INT-BEARING-DEPOSITS>                                 201
<FED-FUNDS-SOLD>                                        60
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                            477
<INVESTMENTS-CARRYING>                              10,257
<INVESTMENTS-MARKET>                                10,238
<LOANS>                                             81,292
<ALLOWANCE>                                            510
<TOTAL-ASSETS>                                      95,876
<DEPOSITS>                                          75,247
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    606
<LONG-TERM>                                          8,917
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                11
<OTHER-SE>                                          11,095
<TOTAL-LIABILITIES-AND-EQUITY>                      95,876
<INTEREST-LOAN>                                      3,258
<INTEREST-INVEST>                                      394
<INTEREST-OTHER>                                         7
<INTEREST-TOTAL>                                     3,659
<INTEREST-DEPOSIT>                                   1,784
<INTEREST-EXPENSE>                                   2,029
<INTEREST-INCOME-NET>                                1,630
<LOAN-LOSSES>                                           56
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        984
<INCOME-PRETAX>                                        683
<INCOME-PRE-EXTRAORDINARY>                             448
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           448
<EPS-PRIMARY>                                          .53
<EPS-DILUTED>                                          .52
<YIELD-ACTUAL>                                        3.53
<LOANS-NON>                                              0
<LOANS-PAST>                                           578
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       478
<CHARGE-OFFS>                                           24
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      510
<ALLOWANCE-DOMESTIC>                                    61
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                449
        




</TABLE>