<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, 1998 AND IS QUALIFIED IN IT'S ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       1,657,496
<INT-BEARING-DEPOSITS>                       1,029,709
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           7,088
<INVESTMENTS-MARKET>                             7,088
<LOANS>                                     76,076,829
<ALLOWANCE>                                    409,661
<TOTAL-ASSETS>                              81,806,355
<DEPOSITS>                                  43,586,452
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,179,711
<LONG-TERM>                                 23,527,195
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        16,313
<OTHER-SE>                                  13,486,684
<TOTAL-LIABILITIES-AND-EQUITY>              81,806,355
<INTEREST-LOAN>                              1,623,959
<INTEREST-INVEST>                                  125
<INTEREST-OTHER>                                49,418
<INTEREST-TOTAL>                             1,673,602
<INTEREST-DEPOSIT>                             402,941
<INTEREST-EXPENSE>                             769,759
<INTEREST-INCOME-NET>                          903,843
<LOAN-LOSSES>                                   18,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                626,428
<INCOME-PRETAX>                                443,822
<INCOME-PRE-EXTRAORDINARY>                     284,822
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   284,822
<EPS-PRIMARY>                                      .26
<EPS-DILUTED>                                      .25
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                    329,427
<LOANS-PAST>                                   908,166
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               391,148
<CHARGE-OFFS>                                        0
<RECOVERIES>                                       513
<ALLOWANCE-CLOSE>                              409,661
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>