<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                       2,626,033
<INT-BEARING-DEPOSITS>                       4,807,754
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 33,250,303
<INVESTMENTS-CARRYING>                      14,129,749
<INVESTMENTS-MARKET>                        13,929,499
<LOANS>                                    135,234,817
<ALLOWANCE>                                    397,267
<TOTAL-ASSETS>                             200,978,711
<DEPOSITS>                                 128,642,323
<SHORT-TERM>                                18,160,378
<LIABILITIES-OTHER>                          1,407,536
<LONG-TERM>                                 30,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        26,037
<OTHER-SE>                                  22,742,437
<TOTAL-LIABILITIES-AND-EQUITY>             200,978,711
<INTEREST-LOAN>                              7,903,935
<INTEREST-INVEST>                            2,017,718
<INTEREST-OTHER>                               286,646
<INTEREST-TOTAL>                            10,208,299
<INTEREST-DEPOSIT>                           4,443,233
<INTEREST-EXPENSE>                           6,248,420
<INTEREST-INCOME-NET>                        3,959,879
<LOAN-LOSSES>                                  137,000
<SECURITIES-GAINS>                            (298,647)
<EXPENSE-OTHER>                              4,167,953
<INCOME-PRETAX>                                161,073
<INCOME-PRE-EXTRAORDINARY>                     161,073
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   103,073
<EPS-PRIMARY>                                      .04
<EPS-DILUTED>                                      .04
<YIELD-ACTUAL>                                    7.19
<LOANS-NON>                                  1,155,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               289,696
<CHARGE-OFFS>                                   29,429
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              397,267
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         31,759