<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               SEP-30-1998
<CASH>                                           4,414
<INT-BEARING-DEPOSITS>                              75
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     52,014
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        147,151
<ALLOWANCE>                                      1,065
<TOTAL-ASSETS>                                 212,830
<DEPOSITS>                                     126,098
<SHORT-TERM>                                    63,500
<LIABILITIES-OTHER>                              3,491
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            18
<OTHER-SE>                                      19,724
<TOTAL-LIABILITIES-AND-EQUITY>                 212,830
<INTEREST-LOAN>                                  3,056
<INTEREST-INVEST>                                  844
<INTEREST-OTHER>                                    67
<INTEREST-TOTAL>                                 3,967
<INTEREST-DEPOSIT>                               1,491
<INTEREST-EXPENSE>                               2,406
<INTEREST-INCOME-NET>                            1,561
<LOAN-LOSSES>                                      120
<SECURITIES-GAINS>                                  30
<EXPENSE-OTHER>                                  1,002
<INCOME-PRETAX>                                    749
<INCOME-PRE-EXTRAORDINARY>                         749
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       481
<EPS-PRIMARY>                                      .34
<EPS-DILUTED>                                      .33
<YIELD-ACTUAL>                                    3.14
<LOANS-NON>                                        918
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,100
<ALLOWANCE-OPEN>                                   983
<CHARGE-OFFS>                                       43
<RECOVERIES>                                         5
<ALLOWANCE-CLOSE>                                1,065
<ALLOWANCE-DOMESTIC>                             1,065
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0