<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> JUN-30-1999 <PERIOD-END> SEP-30-1998 <CASH> 4,251 <INT-BEARING-DEPOSITS> 1,500 <FED-FUNDS-SOLD> 11,327 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 34,030 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 75,039 <ALLOWANCE> 598 <TOTAL-ASSETS> 147,444 <DEPOSITS> 121,601 <SHORT-TERM> 0 <LIABILITIES-OTHER> 857 <LONG-TERM> 14,419 <COMMON> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 10,567 <TOTAL-LIABILITIES-AND-EQUITY> 147,444 <INTEREST-LOAN> 1,637 <INTEREST-INVEST> 653 <INTEREST-OTHER> 143 <INTEREST-TOTAL> 2,433 <INTEREST-DEPOSIT> 1,015 <INTEREST-EXPENSE> 1,209 <INTEREST-INCOME-NET> 1,224 <LOAN-LOSSES> 25 <SECURITIES-GAINS> 73 <EXPENSE-OTHER> 1,079 <INCOME-PRETAX> 342 <INCOME-PRE-EXTRAORDINARY> 342 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 224 <EPS-PRIMARY> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 3.77 <LOANS-NON> 288 <LOANS-PAST> 475 <LOANS-TROUBLED> 22 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 577 <CHARGE-OFFS> 6 <RECOVERIES> 2 <ALLOWANCE-CLOSE> 598 <ALLOWANCE-DOMESTIC> 495 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 103