<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 SEPTEMBER 30, 1997 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-START>                             JUL-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                       1,534,687
<INT-BEARING-DEPOSITS>                       2,177,747
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          10,609
<INVESTMENTS-MARKET>                            10,609
<LOANS>                                     70,859,756
<ALLOWANCE>                                    316,142
<TOTAL-ASSETS>                              77,014,079
<DEPOSITS>                                  41,925,450
<SHORT-TERM>                                 4,000,000
<LIABILITIES-OTHER>                          1,088,177
<LONG-TERM>                                 17,260,709
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,830
<OTHER-SE>                                  12,724,913
<TOTAL-LIABILITIES-AND-EQUITY>              77,014,079
<INTEREST-LOAN>                              1,539,707
<INTEREST-INVEST>                                  190
<INTEREST-OTHER>                                47,588
<INTEREST-TOTAL>                             1,587,485
<INTEREST-DEPOSIT>                             391,609
<INTEREST-EXPENSE>                             715,331
<INTEREST-INCOME-NET>                          872,154
<LOAN-LOSSES>                                   25,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                539,318
<INCOME-PRETAX>                                449,520
<INCOME-PRE-EXTRAORDINARY>                     290,520
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   290,520
<EPS-PRIMARY>                                     0.24
<EPS-DILUTED>                                     0.24
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                     16,589
<LOANS-PAST>                                   769,006
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               302,903
<CHARGE-OFFS>                                   12,241
<RECOVERIES>                                       480
<ALLOWANCE-CLOSE>                              316,142
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>