<ARTICLE>                                            9
<LEGEND>
 The schedule contains summary financial information extracted from the
quarterly report on Form 10-QSB for the fiscal quarter ended December 31,1998
and is qualified in its entirety by reference to such financial statements.

</LEGEND>
<MULTIPLIER>                                   1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              JUN-30-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                         10,490
<INT-BEARING-DEPOSITS>                          1,577
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     2,025
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                                0
<LOANS>                                        70,350
<ALLOWANCE>                                       224
<TOTAL-ASSETS>                                 91,797
<DEPOSITS>                                     55,794
<SHORT-TERM>                                       90
<LIABILITIES-OTHER>                               863
<LONG-TERM>                                    18,832
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                            9
<OTHER-SE>                                     16,083
<TOTAL-LIABILITIES-AND-EQUITY>                 91,797
<INTEREST-LOAN>                                 1,520
<INTEREST-INVEST>                                  76
<INTEREST-OTHER>                                   97
<INTEREST-TOTAL>                                1,693
<INTEREST-DEPOSIT>                                728
<INTEREST-EXPENSE>                                276
<INTEREST-INCOME-NET>                             689
<LOAN-LOSSES>                                       9
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   474
<INCOME-PRETAX>                                   383
<INCOME-PRE-EXTRAORDINARY>                        383
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      253
<EPS-PRIMARY>                                     .17
<EPS-DILUTED>                                     .17
<YIELD-ACTUAL>                                      0
<LOANS-NON>                                         0
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  215
<CHARGE-OFFS>                                       0
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 224
<ALLOWANCE-DOMESTIC>                              224
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           224