<ARTICLE> 9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                       1,527,481
<INT-BEARING-DEPOSITS>                       7,578,387
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 42,272,306
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    145,205,691
<ALLOWANCE>                                    480,267
<TOTAL-ASSETS>                             206,669,201
<DEPOSITS>                                 132,401,205
<SHORT-TERM>                                20,000,000
<LIABILITIES-OTHER>                          1,715,865
<LONG-TERM>                                 30,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        25,978
<OTHER-SE>                                  22,526,153
<TOTAL-LIABILITIES-AND-EQUITY>             206,669,201
<INTEREST-LOAN>                             10,598,406
<INTEREST-INVEST>                            2,677,378
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<INTEREST-TOTAL>                            13,665,637
<INTEREST-DEPOSIT>                           5,900,947
<INTEREST-EXPENSE>                           8,313,380
<INTEREST-INCOME-NET>                        5,352,257
<LOAN-LOSSES>                                  220,000
<SECURITIES-GAINS>                           (375,282)
<EXPENSE-OTHER>                              5,338,612
<INCOME-PRETAX>                                414,014
<INCOME-PRE-EXTRAORDINARY>                     414,014
<EXTRAORDINARY>                                      0
<CHANGES>                                     (92,399)
<NET-INCOME>                                   176,015
<EPS-BASIC>                                        .07
<EPS-DILUTED>                                      .07
<YIELD-ACTUAL>                                    7.23
<LOANS-NON>                                  1,279,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               289,696
<CHARGE-OFFS>                                   29,429
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              480,267
<ALLOWANCE-DOMESTIC>                           480,267
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         91,000