<ARTICLE>                 9
<LEGEND>
THE  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION   EXTRACTED  FROM  THE
CONSOLIDATED  BALANCE  SHEET AND THE  CONSOLIDATED  STATEMENT OF INCOME FILED AS
PART OF THE  QUARTERLY  REPORT ON FORM 10-Q AND IS  QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER>                                       1,000
       
                                                  
<PERIOD-TYPE>                                   9-MOS
<FISCAL-YEAR-END>                                JUN-30-1999
<PERIOD-START>                                   JUL-01-1998
<PERIOD-END>                                     MAR-31-1999
<CASH>                                             7,595
<INT-BEARING-DEPOSITS>                             2,265
<FED-FUNDS-SOLD>                                     332
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                       17,587
<INVESTMENTS-CARRYING>                                 0
<INVESTMENTS-MARKET>                                   0
<LOANS>                                          136,399
<ALLOWANCE>                                          710
<TOTAL-ASSETS>                                   170,271
<DEPOSITS>                                       134,502
<SHORT-TERM>                                           0
<LIABILITIES-OTHER>                                1,632
<LONG-TERM>                                        9,467
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                              31
<OTHER-SE>                                        24,639
<TOTAL-LIABILITIES-AND-EQUITY>                   170,271
<INTEREST-LOAN>                                    9,048
<INTEREST-INVEST>                                    794
<INTEREST-OTHER>                                     327
<INTEREST-TOTAL>                                  10,169
<INTEREST-DEPOSIT>                                 4,190
<INTEREST-EXPENSE>                                 4,696
<INTEREST-INCOME-NET>                              5,473
<LOAN-LOSSES>                                         90
<SECURITIES-GAINS>                                    13
<EXPENSE-OTHER>                                    3,319
<INCOME-PRETAX>                                    3,160
<INCOME-PRE-EXTRAORDINARY>                         1,993
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       1,993
<EPS-PRIMARY>                                        .73
<EPS-DILUTED>                                        .73
<YIELD-ACTUAL>                                      4.59 
<LOANS-NON>                                            0
<LOANS-PAST>                                         378
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                     654
<CHARGE-OFFS>                                         49
<RECOVERIES>                                          14
<ALLOWANCE-CLOSE>                                    710
<ALLOWANCE-DOMESTIC>                                 710
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                               46