<ARTICLE> 9

                              
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               DEC-31-1998
<CASH>                                       2,869,831
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<FED-FUNDS-SOLD>                                     0
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<ALLOWANCE>                                 (1,450,518)
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<COMMON>                                        26,450
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<INTEREST-TOTAL>                             9,180,311
<INTEREST-DEPOSIT>                           3,409,119
<INTEREST-EXPENSE>                           6,079,234
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<LOAN-LOSSES>                                        0
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<CHARGE-OFFS>                                   22,314
<RECOVERIES>                                    (4,286)
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<ALLOWANCE-FOREIGN>                                  0
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