<TABLE> <S> <C>


<ARTICLE>                                                                9
<MULTIPLIER>                                                         1,000
       
<S>                                                                    <C>
<PERIOD-TYPE>                                                        9-MOS
<FISCAL-YEAR-END>                                              JUN-30-1999
<PERIOD-START>                                                 JUL-01-1998
<PERIOD-END>                                                   MAR-31-1999
<CASH>                                                               2,399
<INT-BEARING-DEPOSITS>                                                 837
<FED-FUNDS-SOLD>                                                     1,165
<TRADING-ASSETS>                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                         15,971
<INVESTMENTS-CARRYING>                                               4,195
<INVESTMENTS-MARKET>                                                 4,150
<LOANS>                                                             87,824
<ALLOWANCE>                                                            578
<TOTAL-ASSETS>                                                     115,153
<DEPOSITS>                                                          78,869
<SHORT-TERM>                                                             0
<LIABILITIES-OTHER>                                                    497
<LONG-TERM>                                                         25,375
<PREFERRED-MANDATORY>                                                    0
<PREFERRED>                                                              0
<COMMON>                                                                17
<OTHER-SE>                                                          10,395
<TOTAL-LIABILITIES-AND-EQUITY>                                     115,153
<INTEREST-LOAN>                                                      5,143
<INTEREST-INVEST>                                                      842
<INTEREST-OTHER>                                                       128
<INTEREST-TOTAL>                                                     6,113
<INTEREST-DEPOSIT>                                                   2,683
<INTEREST-EXPENSE>                                                   3,609
<INTEREST-INCOME-NET>                                                2,504
<LOAN-LOSSES>                                                           73
<SECURITIES-GAINS>                                                       6
<EXPENSE-OTHER>                                                      1,621
<INCOME-PRETAX>                                                        997
<INCOME-PRE-EXTRAORDINARY>                                             663
<EXTRAORDINARY>                                                          0
<CHANGES>                                                                0
<NET-INCOME>                                                           663
<EPS-PRIMARY>                                                          .58
<EPS-DILUTED>                                                          .57
<YIELD-ACTUAL>                                                        3.02
<LOANS-NON>                                                              0
<LOANS-PAST>                                                           848
<LOANS-TROUBLED>                                                         0
<LOANS-PROBLEM>                                                          0
<ALLOWANCE-OPEN>                                                       563
<CHARGE-OFFS>                                                           86
<RECOVERIES>                                                             2
<ALLOWANCE-CLOSE>                                                      578
<ALLOWANCE-DOMESTIC>                                                     0
<ALLOWANCE-FOREIGN>                                                      0
<ALLOWANCE-UNALLOCATED>                                                578
        


</TABLE>