<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
       
<S>                                                                          <C>
<PERIOD-TYPE>                                                              3-MOS
<FISCAL-YEAR-END>                                                    JUN-30-1999
<PERIOD-START>                                                       JUL-01-1998
<PERIOD-END>                                                         SEP-30-1998
<CASH>                                                                     1,812
<INT-BEARING-DEPOSITS>                                                     2,036
<FED-FUNDS-SOLD>                                                              84
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               15,656
<INVESTMENTS-CARRYING>                                                     6,661
<INVESTMENTS-MARKET>                                                       6,665
<LOANS>                                                                   85,150
<ALLOWANCE>                                                                  586
<TOTAL-ASSETS>                                                           113,953
<DEPOSITS>                                                                77,475
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                          767
<LONG-TERM>                                                               25,538
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                      17
<OTHER-SE>                                                                10,156
<TOTAL-LIABILITIES-AND-EQUITY>                                           113,953
<INTEREST-LOAN>                                                            1,730
<INTEREST-INVEST>                                                            223
<INTEREST-OTHER>                                                              58
<INTEREST-TOTAL>                                                           2,010
<INTEREST-DEPOSIT>                                                           912
<INTEREST-EXPENSE>                                                         1,167
<INTEREST-INCOME-NET>                                                        843
<LOAN-LOSSES>                                                                 26
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                              525
<INCOME-PRETAX>                                                              348
<INCOME-PRE-EXTRAORDINARY>                                                   233
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 233
<EPS-PRIMARY>                                                                .20
<EPS-DILUTED>                                                                .19
<YIELD-ACTUAL>                                                              3.22
<LOANS-NON>                                                                    0
<LOANS-PAST>                                                                 817
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             563
<CHARGE-OFFS>                                                                  0
<RECOVERIES>                                                                   1
<ALLOWANCE-CLOSE>                                                            586
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      586
        


</TABLE>