<ARTICLE> 9 <MULTIPLIER> 1 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> JUN-30-1998 <PERIOD-END> MAR-31-1998 <CASH> 703,987 <INT-BEARING-DEPOSITS> 5,519,743 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 187,812 <INVESTMENTS-MARKET> 189,663 <LOANS> 104,768,829 <ALLOWANCE> 569,000 <TOTAL-ASSETS> 116,427,060 <DEPOSITS> 82,942,951 <SHORT-TERM> 15,250,000 <LIABILITIES-OTHER> 914,544 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10,319 <OTHER-SE> 16,559,077 <TOTAL-LIABILITIES-AND-EQUITY> 116,427,060 <INTEREST-LOAN> 6,649,815 <INTEREST-INVEST> 25,421 <INTEREST-OTHER> 138,098 <INTEREST-TOTAL> 6,813,334 <INTEREST-DEPOSIT> 2,794,754 <INTEREST-EXPENSE> 3,274,950 <INTEREST-INCOME-NET> 3,538,384 <LOAN-LOSSES> 165,467 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 524,275 <INCOME-PRETAX> 1,203,766 <INCOME-PRE-EXTRAORDINARY> 753,753 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 753,753 <EPS-PRIMARY> 0.79 <EPS-DILUTED> 0.79 <YIELD-ACTUAL> 8.73 <LOANS-NON> 587,176 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 436,000 <CHARGE-OFFS> 60,023 <RECOVERIES> 27,556 <ALLOWANCE-CLOSE> 569,000 <ALLOWANCE-DOMESTIC> 569,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0