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

<MULTIPLIER>                                   1000
       
                                            
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                          4,059
<INT-BEARING-DEPOSITS>                          5,775
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    21,099
<INVESTMENTS-CARRYING>                            290
<INVESTMENTS-MARKET>                              290
<LOANS>                                        45,322
<ALLOWANCE>                                       207
<TOTAL-ASSETS>                                 80,737
<DEPOSITS>                                     63,832
<SHORT-TERM>                                    9,000
<LIABILITIES-OTHER>                               807
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                           42
<OTHER-SE>                                      7,056
<TOTAL-LIABILITIES-AND-EQUITY>                  7,098
<INTEREST-LOAN>                                 2,993
<INTEREST-INVEST>                               1,442
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                4,387
<INTEREST-DEPOSIT>                              2,206
<INTEREST-EXPENSE>                              2,548
<INTEREST-INCOME-NET>                           1,830
<LOAN-LOSSES>                                       9
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 1,865
<INCOME-PRETAX>                                   422 
<INCOME-PRE-EXTRAORDINARY>                        422 
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      260
<EPS-PRIMARY>                                     .56
<EPS-DILUTED>                                     .56
<YIELD-ACTUAL>                                   7.28
<LOANS-NON>                                         0
<LOANS-PAST>                                       61
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     4
<ALLOWANCE-OPEN>                                  213
<CHARGE-OFFS>                                       9
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 207
<ALLOWANCE-DOMESTIC>                              207
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0