<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               DEC-31-1998
<CASH>                                           3,913
<INT-BEARING-DEPOSITS>                          30,773
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,448
<INVESTMENTS-CARRYING>                          11,044
<INVESTMENTS-MARKET>                            11,090
<LOANS>                                        100,001
<ALLOWANCE>                                        530
<TOTAL-ASSETS>                                 160,115
<DEPOSITS>                                     125,741
<SHORT-TERM>                                       765
<LIABILITIES-OTHER>                              1,684
<LONG-TERM>                                      8,350
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            16
<OTHER-SE>                                      23,559
<TOTAL-LIABILITIES-AND-EQUITY>                 160,115
<INTEREST-LOAN>                                  4,221
<INTEREST-INVEST>                                1,327
<INTEREST-OTHER>                                    25
<INTEREST-TOTAL>                                 5,573
<INTEREST-DEPOSIT>                               2,976
<INTEREST-EXPENSE>                                 265
<INTEREST-INCOME-NET>                            2,332
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,483
<INCOME-PRETAX>                                  1,241
<INCOME-PRE-EXTRAORDINARY>                       1,241
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       794
<EPS-PRIMARY>                                      .52
<EPS-DILUTED>                                      .51
<YIELD-ACTUAL>                                    3.09
<LOANS-NON>                                          0
<LOANS-PAST>                                     1,639
<LOANS-TROUBLED>                                    39
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   523
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                  530
<ALLOWANCE-DOMESTIC>                               530
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0