<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                       1,355,778
<INT-BEARING-DEPOSITS>                       6,071,051
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      29,649,003
<INVESTMENTS-MARKET>                        30,464,365
<LOANS>                                    106,300,518
<ALLOWANCE>                                  1,492,473
<TOTAL-ASSETS>                             221,632,911
<DEPOSITS>                                 140,998,609
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,660,658
<LONG-TERM>                                 40,047,438
<COMMON>                                        26,450
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  38,220,637
<TOTAL-LIABILITIES-AND-EQUITY>             221,632,911
<INTEREST-LOAN>                              6,500,006
<INTEREST-INVEST>                            3,839,715
<INTEREST-OTHER>                               797,737
<INTEREST-TOTAL>                            11,137,458
<INTEREST-DEPOSIT>                           5,515,164
<INTEREST-EXPENSE>                           6,333,778
<INTEREST-INCOME-NET>                        4,803,680
<LOAN-LOSSES>                                   24,000
<SECURITIES-GAINS>                               3,765
<EXPENSE-OTHER>                              4,367,887
<INCOME-PRETAX>                                987,029
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   677,977
<EPS-PRIMARY>                                      .26
<EPS-DILUTED>                                      .26
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,502,149
<CHARGE-OFFS>                                   17,349
<RECOVERIES>                                       200
<ALLOWANCE-CLOSE>                            1,484,603
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0