<TABLE> <S> <C>


<ARTICLE>                                            9

<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              JUN-30-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                               9,445
<INT-BEARING-DEPOSITS>                               1,479
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          2,744
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             69,186
<ALLOWANCE>                                            206
<TOTAL-ASSETS>                                      89,802
<DEPOSITS>                                          53,672
<SHORT-TERM>                                         6,088
<LIABILITIES-OTHER>                                  1,081
<LONG-TERM>                                         12,877
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 9
<OTHER-SE>                                          16,075
<TOTAL-LIABILITIES-AND-EQUITY>                      89,802
<INTEREST-LOAN>                                      5,988
<INTEREST-INVEST>                                      835
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     6,823
<INTEREST-DEPOSIT>                                   2,887
<INTEREST-EXPENSE>                                   1,156
<INTEREST-INCOME-NET>                                2,780
<LOAN-LOSSES>                                           52
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,821
<INCOME-PRETAX>                                      1,508
<INCOME-PRE-EXTRAORDINARY>                           1,508
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,017
<EPS-PRIMARY>                                         0.68
<EPS-DILUTED>                                         0.66
<YIELD-ACTUAL>                                        8.23
<LOANS-NON>                                             96
<LOANS-PAST>                                             4
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       221
<CHARGE-OFFS>                                           67
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      206
<ALLOWANCE-DOMESTIC>                                   206
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                206
                                               


</TABLE>