<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                         403,394
<INT-BEARING-DEPOSITS>                       9,602,971
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    670,356
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    107,562,240
<ALLOWANCE>                                    226,000
<TOTAL-ASSETS>                             124,706,937
<DEPOSITS>                                  83,370,045
<SHORT-TERM>                                20,013,302
<LIABILITIES-OTHER>                          1,611,051
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        15,704
<OTHER-SE>                                  19,696,835
<TOTAL-LIABILITIES-AND-EQUITY>             124,706,937
<INTEREST-LOAN>                              6,419,724
<INTEREST-INVEST>                               80,682
<INTEREST-OTHER>                               316,933
<INTEREST-TOTAL>                             6,817,339
<INTEREST-DEPOSIT>                           3,179,019
<INTEREST-EXPENSE>                           3,857,112
<INTEREST-INCOME-NET>                        2,960,227
<LOAN-LOSSES>                                   40,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,770,456
<INCOME-PRETAX>                              1,187,246
<INCOME-PRE-EXTRAORDINARY>                     741,746
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   741,746
<EPS-PRIMARY>                                     0.50
<EPS-DILUTED>                                     0.50
<YIELD-ACTUAL>                                    7.94
<LOANS-NON>                                    580,000
<LOANS-PAST>                                    63,000
<LOANS-TROUBLED>                               265,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               186,000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              226,000
<ALLOWANCE-DOMESTIC>                           226,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        109,500