<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> JUN-30-1999 <PERIOD-END> MAR-31-1999 <CASH> 5,703 <INT-BEARING-DEPOSITS> 500 <FED-FUNDS-SOLD> 7,845 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 64,224 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 76,538 <ALLOWANCE> 643 <TOTAL-ASSETS> 160,423 <DEPOSITS> 123,815 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,101 <LONG-TERM> 18,124 <PREFERRED-MANDATORY> 17 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 17,366 <TOTAL-LIABILITIES-AND-EQUITY> 160,423 <INTEREST-LOAN> 4,798 <INTEREST-INVEST> 2,388 <INTEREST-OTHER> 387 <INTEREST-TOTAL> 7,573 <INTEREST-DEPOSIT> 2,985 <INTEREST-EXPENSE> 3,552 <INTEREST-INCOME-NET> 4,021 <LOAN-LOSSES> 80 <SECURITIES-GAINS> 448 <EXPENSE-OTHER> 3,716 <INCOME-PRETAX> 1,184 <INCOME-PRE-EXTRAORDINARY> 1,184 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 774 <EPS-PRIMARY> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 7.33 <LOANS-NON> 412 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 577 <CHARGE-OFFS> 21 <RECOVERIES> 7 <ALLOWANCE-CLOSE> 643 <ALLOWANCE-DOMESTIC> 630 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 13