<ARTICLE> 9
<LEGEND>    
All information is at September 30, 1998 or for the three months
ended September 30, 1998
</LEGEND>
<MULTIPLIER>  1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               SEP-30-1998
<CASH>                                           167
<INT-BEARING-DEPOSITS>                         2,024
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                        0
<INVESTMENTS-CARRYING>                         1,200
<INVESTMENTS-MARKET>                           1,200
<LOANS>                                      127,821 
<ALLOWANCE>                                      100
<TOTAL-ASSETS>                               134,734
<DEPOSITS>                                    83,602
<SHORT-TERM>                                       0
<LIABILITIES-OTHER>                            1,804
<LONG-TERM>                                   27,030
<COMMON>                                          17
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<OTHER-SE>                                    22,281
<TOTAL-LIABILITIES-AND-EQUITY>               134,734
<INTEREST-LOAN>                                2,352
<INTEREST-INVEST>                                 70
<INTEREST-OTHER>                                  27
<INTEREST-TOTAL>                               2,449
<INTEREST-DEPOSIT>                               989
<INTEREST-EXPENSE>                             1,421
<INTEREST-INCOME-NET>                          1,028
<LOAN-LOSSES>                                      0
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                  407
<INCOME-PRETAX>                                  631
<INCOME-PRE-EXTRAORDINARY>                       418
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                     418  
<EPS-PRIMARY>                                   0.26
<EPS-DILUTED>                                   0.25
<YIELD-ACTUAL>                                  3.11
<LOANS-NON>                                        0
<LOANS-PAST>                                     197
<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>                          100