<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>                 67,838,935
<INVESTMENTS-CARRYING>                      29,649,003
<INVESTMENTS-MARKET>                        30,464,365
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<ALLOWANCE>                                  1,484,603
<TOTAL-ASSETS>                             221,632,911
<DEPOSITS>                                 140,998,609
<SHORT-TERM>                                 3,394,800
<LIABILITIES-OTHER>                          2,558,531
<LONG-TERM>                                 36,652,638
<COMMON>                                        26,450
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  38,001,883
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<INTEREST-LOAN>                              6,343,006
<INTEREST-INVEST>                            3,839,715
<INTEREST-OTHER>                               797,737
<INTEREST-TOTAL>                            10,980,458
<INTEREST-DEPOSIT>                           5,515,164
<INTEREST-EXPENSE>                           6,333,778
<INTEREST-INCOME-NET>                        4,646,680
<LOAN-LOSSES>                                   24,000
<SECURITIES-GAINS>                               3,765
<EXPENSE-OTHER>                              4,480,027
<INCOME-PRETAX>                                717,889
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   491,533
<EPS-BASIC>                                     0.20
<EPS-DILUTED>                                     0.20
<YIELD-ACTUAL>                                    7.46
<LOANS-NON>                                    554,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                             1,502,149
<CHARGE-OFFS>                                   17,349
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<ALLOWANCE-FOREIGN>                                  0
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