<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the quarterly
report  on Form  10-QSB  for the  fiscal  quarter  ended  March  31,1999  and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                           JUN-30-1999
<PERIOD-END>                                MAR-31-1999
<CASH>                                          $10,827
<INT-BEARING-DEPOSITS>                              982
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                       1,945
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                          69,769
<ALLOWANCE>                                         233
<TOTAL-ASSETS>                                   90,715
<DEPOSITS>                                       54,753
<SHORT-TERM>                                         92
<LIABILITIES-OTHER>                                 716
<LONG-TERM>                                      18,807
<COMMON>                                              0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           9
<OTHER-SE>                                       16,337
<TOTAL-LIABILITIES-AND-EQUITY>                   90,715
<INTEREST-LOAN>                                   1,489
<INTEREST-INVEST>                                    60
<INTEREST-OTHER>                                    115
<INTEREST-TOTAL>                                  1,664
<INTEREST-DEPOSIT>                                  715
<INTEREST-EXPENSE>                                  269
<INTEREST-INCOME-NET>                               985
<LOAN-LOSSES>                                         9
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                     488
<INCOME-PRETAX>                                     413
<INCOME-PRE-EXTRAORDINARY>                          413
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        276
<EPS-PRIMARY>                                       .19
<EPS-DILUTED>                                       .18
<YIELD-ACTUAL>                                        0
<LOANS-NON>                                           0
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                    224
<CHARGE-OFFS>                                         0
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                   233
<ALLOWANCE-DOMESTIC>                                233
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                             233