<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF THE COMPANY AS OF AND FOR THE QUARTER ENDED 
SEPTEMBER 30, 1997, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-START>                             JUL-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                         290,216
<INT-BEARING-DEPOSITS>                       5,339,866
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,927,033
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     86,882,617
<ALLOWANCE>                                    750,876
<TOTAL-ASSETS>                              98,918,506
<DEPOSITS>                                  81,857,788
<SHORT-TERM>                                 1,200,000
<LIABILITIES-OTHER>                          1,537,574
<LONG-TERM>                                  1,353,332
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       989,122
<OTHER-SE>                                  11,980,690
<TOTAL-LIABILITIES-AND-EQUITY>              98,918,506
<INTEREST-LOAN>                              2,070,809
<INTEREST-INVEST>                               65,131
<INTEREST-OTHER>                                63,730
<INTEREST-TOTAL>                             2,199,670
<INTEREST-DEPOSIT>                           1,021,590
<INTEREST-EXPENSE>                           1,077,605
<INTEREST-INCOME-NET>                        1,122,065
<LOAN-LOSSES>                                   15,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                708,293
<INCOME-PRETAX>                                593,137
<INCOME-PRE-EXTRAORDINARY>                     593,137
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   370,137
<EPS-PRIMARY>                                     0.38
<EPS-DILUTED>                                     0.38
<YIELD-ACTUAL>                                    4.65
<LOANS-NON>                                  1,227,000
<LOANS-PAST>                                   299,000
<LOANS-TROUBLED>                               589,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               739,916
<CHARGE-OFFS>                                    4,040
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              750,876
<ALLOWANCE-DOMESTIC>                           750,876
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0