<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                         381,210
<INT-BEARING-DEPOSITS>                       4,732,143
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    335,727
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     98,686,104
<ALLOWANCE>                                    183,000
<TOTAL-ASSETS>                             109,134,260
<DEPOSITS>                                  78,227,725
<SHORT-TERM>                                 9,067,771
<LIABILITIES-OTHER>                          1,916,160
<LONG-TERM>                                          0
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<OTHER-SE>                                  19,906,074
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<INTEREST-LOAN>                              5,823,466
<INTEREST-INVEST>                               58,940
<INTEREST-OTHER>                               261,646
<INTEREST-TOTAL>                             6,144,052
<INTEREST-DEPOSIT>                           2,958,806
<INTEREST-EXPENSE>                           3,361,381
<INTEREST-INCOME-NET>                        2,782,671
<LOAN-LOSSES>                                    3,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,608,300
<INCOME-PRETAX>                              1,196,359
<INCOME-PRE-EXTRAORDINARY>                     681,952
<EXTRAORDINARY>                                      0
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<EPS-PRIMARY>                                     0.45
<EPS-DILUTED>                                     0.44
<YIELD-ACTUAL>                                    8.21
<LOANS-NON>                                    874,000
<LOANS-PAST>                                    48,000
<LOANS-TROUBLED>                               240,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               180,000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              180,000
<ALLOWANCE-DOMESTIC>                           115,520
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         67,750