<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>

     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.

</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                         <C>
<PERIOD-TYPE>                                  6-MOS                    
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-END>                                   DEC-31-1998
<CASH>                                           1,206
<INT-BEARING-DEPOSITS>                           4,210 
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      3,255
<INVESTMENTS-CARRYING>                           2,580
<INVESTMENTS-MARKET>                             2,603
<LOANS>                                        105,423 
<ALLOWANCE>                                        551
<TOTAL-ASSETS>                                 121,944
<DEPOSITS>                                      97,037
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                610 
<LONG-TERM>                                      9,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           108
<OTHER-SE>                                      15,190
<TOTAL-LIABILITIES-AND-EQUITY>                 121,944
<INTEREST-LOAN>                                  4,195
<INTEREST-INVEST>                                  290
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 4,506
<INTEREST-DEPOSIT>                               2,167
<INTEREST-EXPENSE>                               2,413
<INTEREST-INCOME-NET>                            2,092
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,883
<INCOME-PRETAX>                                      0                        
<INCOME-PRE-EXTRAORDINARY>                         528                   
<EXTRAORDINARY>                                      0
<CHANGES>                                            0 
<NET-INCOME>                                       320
<EPS-PRIMARY>                                      .33 
<EPS-DILUTED>                                      .33 
<YIELD-ACTUAL>                                    3.62
<LOANS-NON>                                        434
<LOANS-PAST>                                       252
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   478
<CHARGE-OFFS>                                        3
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  551 
<ALLOWANCE-DOMESTIC>                               551 
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>