<ARTICLE> 9
<LEGEND>    
All information is at March 31, 1999 or for the nine months
ended March 31, 1999
</LEGEND>
<MULTIPLIER>  1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-END>                               MAR-31-1999
<CASH>                                           343
<INT-BEARING-DEPOSITS>                           624
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                        0
<INVESTMENTS-CARRYING>                         2,205
<INVESTMENTS-MARKET>                           2,204
<LOANS>                                      131,421 
<ALLOWANCE>                                      100
<TOTAL-ASSETS>                               138,297
<DEPOSITS>                                    84,083 
<SHORT-TERM>                                       0
<LIABILITIES-OTHER>                            1,504
<LONG-TERM>                                   30,872
<COMMON>                                          17
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<OTHER-SE>                                    21,821
<TOTAL-LIABILITIES-AND-EQUITY>               138,297 
<INTEREST-LOAN>                                7,039
<INTEREST-INVEST>                                156
<INTEREST-OTHER>                                  83
<INTEREST-TOTAL>                               7,278
<INTEREST-DEPOSIT>                             2,953
<INTEREST-EXPENSE>                             4,206
<INTEREST-INCOME-NET>                          3,072
<LOAN-LOSSES>                                      0
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                1,223
<INCOME-PRETAX>                                1,880
<INCOME-PRE-EXTRAORDINARY>                     1,241
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                   1,241
<EPS-PRIMARY>                                   0.79
<EPS-DILUTED>                                   0.78
<YIELD-ACTUAL>                                  3.09
<LOANS-NON>                                        0
<LOANS-PAST>                                     387
<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