<ARTICLE>                     9
<MULTIPLIER>                  1000
       
 
<PERIOD-TYPE>                          3-MOS
<FISCAL-YEAR-END>                      JUN-30-1998
<PERIOD-END>                           SEP-30-1997
<CASH>                                 508
<INT-BEARING-DEPOSITS>                 1492
<FED-FUNDS-SOLD>                       0
<TRADING-ASSETS>                       0
<INVESTMENTS-HELD-FOR-SALE>            27051
<INVESTMENTS-CARRYING>                 5834
<INVESTMENTS-MARKET>                   5834
<LOANS>                                31702
<ALLOWANCE>                            284
<TOTAL-ASSETS>                         64136
<DEPOSITS>                             34201
<SHORT-TERM>                           13208
<LIABILITIES-OTHER>                    409
<LONG-TERM>                            7488
<COMMON>                               59
<PREFERRED-MANDATORY>                  0
<PREFERRED>                            0
<OTHER-SE>                             8830
<TOTAL-LIABILITIES-AND-EQUITY>         64136
<INTEREST-LOAN>                        645
<INTEREST-INVEST>                      450
<INTEREST-OTHER>                       12
<INTEREST-TOTAL>                       1107
<INTEREST-DEPOSIT>                     398
<INTEREST-EXPENSE>                     666
<INTEREST-INCOME-NET>                  441
<LOAN-LOSSES>                          0
<SECURITIES-GAINS>                     8
<EXPENSE-OTHER>                        256
<INCOME-PRETAX>                        257
<INCOME-PRE-EXTRAORDINARY>             257
<EXTRAORDINARY>                        0
<CHANGES>                              0
<NET-INCOME>                           149
<EPS-PRIMARY>                          .27
<EPS-DILUTED>                          .27
<YIELD-ACTUAL>                         7.34
<LOANS-NON>                            284
<LOANS-PAST>                           0
<LOANS-TROUBLED>                       0
<LOANS-PROBLEM>                        0
<ALLOWANCE-OPEN>                       285
<CHARGE-OFFS>                          1
<RECOVERIES>                           0
<ALLOWANCE-CLOSE>                      284
<ALLOWANCE-DOMESTIC>                   284
<ALLOWANCE-FOREIGN>                    0
<ALLOWANCE-UNALLOCATED>                0