<ARTICLE> 9
<MULTIPLIER>  1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                         789
<INT-BEARING-DEPOSITS>                         295
<FED-FUNDS-SOLD>                                 0
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                  7,331
<INVESTMENTS-CARRYING>                         195
<INVESTMENTS-MARKET>                           195
<LOANS>                                    113,643
<ALLOWANCE>                                    978
<TOTAL-ASSETS>                             130,463
<DEPOSITS>                                 107,933
<SHORT-TERM>                                10,000
<LIABILITIES-OTHER>                          1,754
<LONG-TERM>                                  7,734
<COMMON>                                         7 
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<OTHER-SE>                                   9,035
<TOTAL-LIABILITIES-AND-EQUITY>             130,463
<INTEREST-LOAN>                              8,113
<INTEREST-INVEST>                              470
<INTEREST-OTHER>                                 0
<INTEREST-TOTAL>                             8,012
<INTEREST-DEPOSIT>                           3,864
<INTEREST-EXPENSE>                           4,859
<INTEREST-INCOME-NET>                        3,153
<LOAN-LOSSES>                                  807
<SECURITIES-GAINS>                              24
<EXPENSE-OTHER>                              2,991 
<INCOME-PRETAX>                                  8
<INCOME-PRE-EXTRAORDINARY>                     (44)
<EXTRAORDINARY>                                 34
<CHANGES>                                        0
<NET-INCOME>                                   (47)
<EPS-PRIMARY>                               (0.069)
<EPS-DILUTED>                               (0.068)
<YIELD-ACTUAL>                                3.47
<LOANS-NON>                                  1,253
<LOANS-PAST>                                     0
<LOANS-TROUBLED>                               542
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                               798
<CHARGE-OFFS>                                  729
<RECOVERIES>                                   102
<ALLOWANCE-CLOSE>                              978
<ALLOWANCE-DOMESTIC>                           978
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0