<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>                                         2,027
<INT-BEARING-DEPOSITS>                         1,174
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                   37,008
<INVESTMENTS-CARRYING>                         1,676
<INVESTMENTS-MARKET>                               0
<LOANS>                                       91,459
<ALLOWANCE>                                      422   
<TOTAL-ASSETS>                               138,525
<DEPOSITS>                                    77,511 
<SHORT-TERM>                                  46,569 
<LIABILITIES-OTHER>                            1,659
<LONG-TERM>                                        0
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                          99
<OTHER-SE>                                    12,687
<TOTAL-LIABILITIES-AND-EQUITY>               138,525  
<INTEREST-LOAN>                                5,468
<INTEREST-INVEST>                              1,451
<INTEREST-OTHER>                                 153
<INTEREST-TOTAL>                               7,072
<INTEREST-DEPOSIT>                             2,438
<INTEREST-EXPENSE>                             4,183
<INTEREST-INCOME-NET>                          2,889
<LOAN-LOSSES>                                     65
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                1,878
<INCOME-PRETAX>                                1,116
<INCOME-PRE-EXTRAORDINARY>                     1,116
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                     698
<EPS-PRIMARY>                                    .67
<EPS-DILUTED>                                    .66
<YIELD-ACTUAL>                                  3.10
<LOANS-NON>                                      803
<LOANS-PAST>                                       0
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                  763
<ALLOWANCE-OPEN>                                 387
<CHARGE-OFFS>                                     30
<RECOVERIES>                                       0
<ALLOWANCE-CLOSE>                                422
<ALLOWANCE-DOMESTIC>                             422
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0