<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> JUN-30-1999 <PERIOD-END> DEC-31-1998 <CASH> 6,483 <INT-BEARING-DEPOSITS> 1,500 <FED-FUNDS-SOLD> 3,969 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 59,739 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 77,300 <ALLOWANCE> 624 <TOTAL-ASSETS> 153,064 <DEPOSITS> 120,060 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,171 <LONG-TERM> 14,272 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 17 <OTHER-SE> 17,544 <TOTAL-LIABILITIES-AND-EQUITY> 153,064 <INTEREST-LOAN> 3,230 <INTEREST-INVEST> 1,414 <INTEREST-OTHER> 341 <INTEREST-TOTAL> 4,985 <INTEREST-DEPOSIT> 2,027 <INTEREST-EXPENSE> 2,412 <INTEREST-INCOME-NET> 2,573 <LOAN-LOSSES> 50 <SECURITIES-GAINS> 320 <EXPENSE-OTHER> 2,406 <INCOME-PRETAX> 766 <INCOME-PRE-EXTRAORDINARY> 766 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 497 <EPS-PRIMARY> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 7.35 <LOANS-NON> 299 <LOANS-PAST> 238 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 577 <CHARGE-OFFS> 7 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 624 <ALLOWANCE-DOMESTIC> 595 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 29