<ARTICLE> 9
<LEGEND>
The schedule  contains summary  financial  information  quarterly report on Form
10-QSB for the fiscal  quarter and is  qualified in its entirety by reference to
such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                       3,053,116
<INT-BEARING-DEPOSITS>                         694,241
<FED-FUNDS-SOLD>                               889,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 18,428,059
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    136,595,229
<ALLOWANCE>                                    630,900
<TOTAL-ASSETS>                             165,006,903
<DEPOSITS>                                 129,156,890
<SHORT-TERM>                                   682,511
<LIABILITIES-OTHER>                          1,156,059
<LONG-TERM>                                 12,224,519
<PREFERRED-MANDATORY>                           31,071
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                  21,755,853
<TOTAL-LIABILITIES-AND-EQUITY>             165,006,903
<INTEREST-LOAN>                              9,000,538
<INTEREST-INVEST>                            1,002,285
<INTEREST-OTHER>                               178,012
<INTEREST-TOTAL>                            10,180,835
<INTEREST-DEPOSIT>                           4,108,255
<INTEREST-EXPENSE>                           4,918,238
<INTEREST-INCOME-NET>                        5,262,597
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                              13,226
<EXPENSE-OTHER>                              3,076,036
<INCOME-PRETAX>                              2,825,845
<INCOME-PRE-EXTRAORDINARY>                   1,767,270
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,767,270
<EPS-PRIMARY>                                     0.68
<EPS-DILUTED>                                     0.64
<YIELD-ACTUAL>                                    4.44
<LOANS-NON>                                          0
<LOANS-PAST>                                   542,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               575,985
<CHARGE-OFFS>                                   45,535
<RECOVERIES>                                    10,450
<ALLOWANCE-CLOSE>                              630,900
<ALLOWANCE-DOMESTIC>                           630,900
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0