<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     ANNUAL  REPORT ON FORM 10-KSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                           1,395
<INT-BEARING-DEPOSITS>                           2,964
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,314
<INVESTMENTS-CARRYING>                           3,473
<INVESTMENTS-MARKET>                             3,428
<LOANS>                                        109,900
<ALLOWANCE>                                        582
<TOTAL-ASSETS>                                 129,927
<DEPOSITS>                                     105,339
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                594
<LONG-TERM>                                      9,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           108
<OTHER-SE>                                      14,885
<TOTAL-LIABILITIES-AND-EQUITY>                 129,927
<INTEREST-LOAN>                                  8,517
<INTEREST-INVEST>                                  675
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 9,192
<INTEREST-DEPOSIT>                               4,311
<INTEREST-EXPENSE>                               4,797
<INTEREST-INCOME-NET>                            4,394
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                  14
<EXPENSE-OTHER>                                  3,728
<INCOME-PRETAX>                                  1,266
<INCOME-PRE-EXTRAORDINARY>                       1,266
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       784
<EPS-BASIC>                                      .83
<EPS-DILUTED>                                      .83
<YIELD-ACTUAL>                                    3.80
<LOANS-NON>                                        456
<LOANS-PAST>                                       309
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   478
<CHARGE-OFFS>                                       48
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                  582
<ALLOWANCE-DOMESTIC>                               582
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            557



</TABLE>