<ARTICLE> 9
<LEGEND>    
All information is at March 31, 1998 or for the three months
ended March 31, 1998
</LEGEND>
<MULTIPLIER>  1
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                            32
<INT-BEARING-DEPOSITS>                           814
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                        0
<INVESTMENTS-CARRYING>                         3,195
<INVESTMENTS-MARKET>                           3,195
<LOANS>                                      125,729
<ALLOWANCE>                                      100
<TOTAL-ASSETS>                               133,304
<DEPOSITS>                                    82,352
<SHORT-TERM>                                       0
<LIABILITIES-OTHER>                            1,483
<LONG-TERM>                                   26,861
<COMMON>                                          35
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<OTHER-SE>                                    22,573
<TOTAL-LIABILITIES-AND-EQUITY>               133,304
<INTEREST-LOAN>                                2,336
<INTEREST-INVEST>                                 47
<INTEREST-OTHER>                                  57
<INTEREST-TOTAL>                               2,440
<INTEREST-DEPOSIT>                               970
<INTEREST-EXPENSE>                             1,386
<INTEREST-INCOME-NET>                          1,054
<LOAN-LOSSES>                                      0
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                  449
<INCOME-PRETAX>                                  618
<INCOME-PRE-EXTRAORDINARY>                       402
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                     402  
<EPS-PRIMARY>                                   0.25
<EPS-DILUTED>                                   0.24
<YIELD-ACTUAL>                                  3.54
<LOANS-NON>                                        0
<LOANS-PAST>                                     158
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                                 100
<CHARGE-OFFS>                                      0
<RECOVERIES>                                       0
<ALLOWANCE-CLOSE>                                100
<ALLOWANCE-DOMESTIC>                               0
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0