<ARTICLE> 9

                              
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-END>                               DEC-31-1997
<CASH>                                       1,254,749
<INT-BEARING-DEPOSITS>                      13,275,222
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 42,920,511
<INVESTMENTS-CARRYING>                      31,870,684
<INVESTMENTS-MARKET>                        39,028,601
<LOANS>                                    106,018,119
<ALLOWANCE>                                  1,502,149
<TOTAL-ASSETS>                             204,944,436
<DEPOSITS>                                 148,457,790
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          2,189,431
<LONG-TERM>                                 16,109,072
<COMMON>                                        26,450
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  38,161,693
<TOTAL-LIABILITIES-AND-EQUITY>             204,944,436
<INTEREST-LOAN>                              4,204,330
<INTEREST-INVEST>                            2,394,271
<INTEREST-OTHER>                               573,119
<INTEREST-TOTAL>                             7,171,720
<INTEREST-DEPOSIT>                           3,711,130
<INTEREST-EXPENSE>                           4,077,408
<INTEREST-INCOME-NET>                        3,094,312
<LOAN-LOSSES>                                   24,000
<SECURITIES-GAINS>                              26,930
<EXPENSE-OTHER>                              2,694,131
<INCOME-PRETAX>                                714,981
<INCOME-PRE-EXTRAORDINARY>                     714,981
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   469,277
<EPS-BASIC>                                     0.19
<EPS-DILUTED>                                     0.19
<YIELD-ACTUAL>                                    7.52
<LOANS-NON>                                    309,000
<LOANS-PAST>                                   105,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              2,288,000
<ALLOWANCE-OPEN>                             1,497,696
<CHARGE-OFFS>                                   19,547
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            1,502,149
<ALLOWANCE-DOMESTIC>                         1,502,149
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0