<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT FILED ON FORM 10-Q FOR THE FISCAL QUARTER ENDED DECEMBER 31, 1997 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           1,382
<INT-BEARING-DEPOSITS>                           2,465
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,599
<INVESTMENTS-CARRYING>                         122,899
<INVESTMENTS-MARKET>                           124,437
<LOANS>                                         48,638
<ALLOWANCE>                                        652
<TOTAL-ASSETS>                                 184,215
<DEPOSITS>                                     136,781
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                946
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            41
<OTHER-SE>                                      46,447
<TOTAL-LIABILITIES-AND-EQUITY>                 184,215
<INTEREST-LOAN>                                  1,847
<INTEREST-INVEST>                                4,130
<INTEREST-OTHER>                                   177
<INTEREST-TOTAL>                                 6,154
<INTEREST-DEPOSIT>                               2,876
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                            3,278
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,678
<INCOME-PRETAX>                                  1,682
<INCOME-PRE-EXTRAORDINARY>                       1,682
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       956
<EPS-PRIMARY>                                     0.34
<EPS-DILUTED>                                     0.33
<YIELD-ACTUAL>                                    3.64
<LOANS-NON>                                      1,410
<LOANS-PAST>                                       241
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   622
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  652
<ALLOWANCE-DOMESTIC>                               652
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0