<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                       3,681,597
<INT-BEARING-DEPOSITS>                      11,639,950
<FED-FUNDS-SOLD>                                     0
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<ALLOWANCE>                                    538,000
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<SHORT-TERM>                                 5,052,000
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<INTEREST-OTHER>                                     0
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<INTEREST-DEPOSIT>                           3,969,005
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<EPS-PRIMARY>                                      .87
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