WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE> 9
<RESTATED>
[LEGEND]
The schedule  contains summary  financial  information  quarterly report on Form
10-KSB for the fiscal  quarter and is  qualified in its entirety by reference to
such financial statements.
[/LEGEND]
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-END>                               SEP-30-1997
<CASH>                                       2,123,240
<INT-BEARING-DEPOSITS>                       2,862,044
<FED-FUNDS-SOLD>                               106,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 20,846,262
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    136,045,131
<ALLOWANCE>                                    596,693
<TOTAL-ASSETS>                             166,520,193
<DEPOSITS>                                 123,478,771
<SHORT-TERM>                                 8,500,000
<LIABILITIES-OTHER>                          1,309,013
<LONG-TERM>                                 12,525,806
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        24,859
<OTHER-SE>                                  20,681,744
<TOTAL-LIABILITIES-AND-EQUITY>             166,520,193
<INTEREST-LOAN>                              2,983,511
<INTEREST-INVEST>                              353,523
<INTEREST-OTHER>                                51,784
<INTEREST-TOTAL>                             3,388,818
<INTEREST-DEPOSIT>                           1,337,538
<INTEREST-EXPENSE>                           1,660,917
<INTEREST-INCOME-NET>                        1,727,901
<LOAN-LOSSES>                                   30,000
<SECURITIES-GAINS>                              13,226
<EXPENSE-OTHER>                                958,263
<INCOME-PRETAX>                                961,601
<INCOME-PRE-EXTRAORDINARY>                     611,511
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   611,551
<EPS-PRIMARY>                                      .24
<EPS-DILUTED>                                      .22
<YIELD-ACTUAL>                                    4.33
<LOANS-NON>                                     24,000
<LOANS-PAST>                                   536,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               575,985
<CHARGE-OFFS>                                    9,460
<RECOVERIES>                                       168
<ALLOWANCE-CLOSE>                              596,693
<ALLOWANCE-DOMESTIC>                           596,693
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0