<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>


<MULTIPLIER>                                   1
       
                                           
<PERIOD-TYPE>                                 6-MOS                                     
<FISCAL-YEAR-END>                             JUN-30-1999  
<PERIOD-END>                                  DEC-31-1998 
<CASH>                                           370,552
<INT-BEARING-DEPOSITS>                         4,658,309 
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                    4,025,743 
<INVESTMENTS-CARRYING>                        12,712,026 
<INVESTMENTS-MARKET>                          16,737,259 
<LOANS>                                       16,643,924 
<ALLOWANCE>                                      171,737
<TOTAL-ASSETS>                                39,814,495 
<DEPOSITS>                                    33,574,245 
<SHORT-TERM>                                           0
<LIABILITIES-OTHER>                              410,388
<LONG-TERM>                                    1,000,000
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                          33,060  
<OTHER-SE>                                     2,586,787
<TOTAL-LIABILITIES-AND-EQUITY>                39,814,495 
<INTEREST-LOAN>                                  682,634
<INTEREST-INVEST>                                500,022
<INTEREST-OTHER>                                 165,094
<INTEREST-TOTAL>                               1,347,750
<INTEREST-DEPOSIT>                               734,289
<INTEREST-EXPENSE>                               763,189
<INTEREST-INCOME-NET>                            584,561
<LOAN-LOSSES>                                          0
<SECURITIES-GAINS>                                46,769
<EXPENSE-OTHER>                                  592,508
<INCOME-PRETAX>                                  106,482
<INCOME-PRE-EXTRAORDINARY>                       106,482
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                      71,584
<EPS-PRIMARY>                                        .23
<EPS-DILUTED>                                        .23 
<YIELD-ACTUAL>                                      3.13
<LOANS-NON>                                       16,000
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                 198,168
<CHARGE-OFFS>                                     26,431
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                                171,737 
<ALLOWANCE-DOMESTIC>                             171,737
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0