<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED 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-30-1997
<PERIOD-END>                                   JUN-30-1998
<CASH>                                           1,335
<INT-BEARING-DEPOSITS>                           7,749
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                        264
<INVESTMENTS-CARRYING>                           2,085
<INVESTMENTS-MARKET>                             2,117
<LOANS>                                         97,523
<ALLOWANCE>                                        418
<TOTAL-ASSETS>                                 114,185
<DEPOSITS>                                      88,552
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                705
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           108
<OTHER-SE>                                      14,820
<TOTAL-LIABILITIES-AND-EQUITY>                 114,185
<INTEREST-LOAN>                                  7,737
<INTEREST-INVEST>                                  370
<INTEREST-OTHER>                                   303
<INTEREST-TOTAL>                                 8,410
<INTEREST-DEPOSIT>                               3,786
<INTEREST-EXPENSE>                                 506
<INTEREST-INCOME-NET>                            4,118
<LOAN-LOSSES>                                      254
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,054
<INCOME-PRETAX>                                  1,367
<INCOME-PRE-EXTRAORDINARY>                       1,369
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       848
<EPS-PRIMARY>                                      .85
<EPS-DILUTED>                                      .85
<YIELD-ACTUAL>                                    3.48
<LOANS-NON>                                        284
<LOANS-PAST>                                       169
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   368
<CHARGE-OFFS>                                      157
<RECOVERIES>                                        13
<ALLOWANCE-CLOSE>                                  418
<ALLOWANCE-DOMESTIC>                               478
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>