<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     ANNUAL  REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                          <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                           1,178
<INT-BEARING-DEPOSITS>                           4,951
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,023
<INVESTMENTS-CARRYING>                           2,122
<INVESTMENTS-MARKET>                             2,131
<LOANS>                                        107,215
<ALLOWANCE>                                        576
<TOTAL-ASSETS>                                 124,651
<DEPOSITS>                                     100,251
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                567
<LONG-TERM>                                      9,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           108
<OTHER-SE>                                      14,724
<TOTAL-LIABILITIES-AND-EQUITY>                 124,651 
<INTEREST-LOAN>                                  6,335
<INTEREST-INVEST>                                  466
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 6,801
<INTEREST-DEPOSIT>                               3,216
<INTEREST-EXPENSE>                               3,582
<INTEREST-INCOME-NET>                            3,219
<LOAN-LOSSES>                                      113
<SECURITIES-GAINS>                                  14
<EXPENSE-OTHER>                                  2,825
<INCOME-PRETAX>                                    865
<INCOME-PRE-EXTRAORDINARY>                         865
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       529
<EPS-PRIMARY>                                     0.56
<EPS-DILUTED>                                     0.56
<YIELD-ACTUAL>                                    3.79
<LOANS-NON>                                        693
<LOANS-PAST>                                       254
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   478
<CHARGE-OFFS>                                       16
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  576
<ALLOWANCE-DOMESTIC>                               564
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             12
        


</TABLE>