<ARTICLE> 9
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-START>                             JUL-01-1997
<PERIOD-END>                               MAR-31-1998
<CASH>                                        5,525,428
<INT-BEARING-DEPOSITS>                        3,593,965
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                           0
<INVESTMENTS-CARRYING>                       10,627,937
<INVESTMENTS-MARKET>                         10,790,476
<LOANS>                                      25,090,909
<ALLOWANCE>                                     188,869
<TOTAL-ASSETS>                               44,006,844
<DEPOSITS>                                   34,591,051
<SHORT-TERM>                                    900,000
<LIABILITIES-OTHER>                             109,378
<LONG-TERM>                                   3,106,149
<COMMON>                                          3,703
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<OTHER-SE>                                    5,296,563
<TOTAL-LIABILITIES-AND-EQUITY>               44,006,844
<INTEREST-LOAN>                               1,549,456
<INTEREST-INVEST>                               299,695
<INTEREST-OTHER>                                115,067
<INTEREST-TOTAL>                              1,964,218
<INTEREST-DEPOSIT>                            1,197,503
<INTEREST-EXPENSE>                            1,237,918
<INTEREST-INCOME-NET>                           726,300
<LOAN-LOSSES>                                   133,856
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                 681,836
<INCOME-PRETAX>                                  28,269
<INCOME-PRE-EXTRAORDINARY>                       28,269
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                     28,269
<EPS-PRIMARY>                                      0.22
<EPS-DILUTED>                                      0.22
<YIELD-ACTUAL>                                     2.55
<LOANS-NON>                                      11,516
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0 
<ALLOWANCE-OPEN>                                149,795
<CHARGE-OFFS>                                    93,849
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                               188,869
<ALLOWANCE-DOMESTIC>                              5,000
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                         183,869