<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 MARCH 31, 1999 AND IS QUALIFIED IN IT'S  ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER>                                            1
       
<S>                                                    <C>
<PERIOD-TYPE>                                        9-MOS
<FISCAL-YEAR-END>                                  JUN-30-1999
<PERIOD-END>                                       MAR-31-1999
<CASH>                                             2,045,187
<INT-BEARING-DEPOSITS>                               766,421
<FED-FUNDS-SOLD>                                           0
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                                0
<INVESTMENTS-CARRYING>                                 5,522
<INVESTMENTS-MARKET>                                       0
<LOANS>                                           77,539,538
<ALLOWANCE>                                          436,617
<TOTAL-ASSETS>                                    83,897,203
<DEPOSITS>                                        44,994,064
<SHORT-TERM>                                               0
<LIABILITIES-OTHER>                                1,586,553
<LONG-TERM>                                       23,959,058
<COMMON>                                              16,313
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<OTHER-SE>                                        13,341,215
<TOTAL-LIABILITIES-AND-EQUITY>                    83,897,203
<INTEREST-LOAN>                                    4,854,550
<INTEREST-INVEST>                                        339
<INTEREST-OTHER>                                     162,741
<INTEREST-TOTAL>                                   5,017,630
<INTEREST-DEPOSIT>                                 1,226,239
<INTEREST-EXPENSE>                                 2,366,219
<INTEREST-INCOME-NET>                              2,651,411
<LOAN-LOSSES>                                         54,000
<SECURITIES-GAINS>                                         0
<EXPENSE-OTHER>                                    1,910,873
<INCOME-PRETAX>                                    1,237,775
<INCOME-PRE-EXTRAORDINARY>                           799,775
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                         799,775
<EPS-PRIMARY>                                           0.65
<EPS-DILUTED>                                           0.62
<YIELD-ACTUAL>                                             0
<LOANS-NON>                                          158,629
<LOANS-PAST>                                         487,310
<LOANS-TROUBLED>                                           0
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                     391,148
<CHARGE-OFFS>                                         11,161
<RECOVERIES>                                           2,630
<ALLOWANCE-CLOSE>                                    436,617
<ALLOWANCE-DOMESTIC>                                       0
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0
        

</TABLE>