<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q FOR THE NINE MONTHS ENDED MARCH 31, 1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-START>                             JUL-01-1997
<PERIOD-END>                               MAR-31-1998
<CASH>                                       8,155,633
<INT-BEARING-DEPOSITS>                       5,650,389
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                               346,075
<INVESTMENTS-HELD-FOR-SALE>                 22,603,496
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    348,857,197
<ALLOWANCE>                                (3,031,296)
<TOTAL-ASSETS>                             401,951,202
<DEPOSITS>                                 320,634,910
<SHORT-TERM>                                21,120,077
<LIABILITIES-OTHER>                          5,047,664
<LONG-TERM>                                 19,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        21,240
<OTHER-SE>                                  36,127,311
<TOTAL-LIABILITIES-AND-EQUITY>             401,951,202
<INTEREST-LOAN>                             21,297,903
<INTEREST-INVEST>                            1,158,796
<INTEREST-OTHER>                               651,142
<INTEREST-TOTAL>                            23,107,841
<INTEREST-DEPOSIT>                          12,330,620
<INTEREST-EXPENSE>                          14,382,500
<INTEREST-INCOME-NET>                        8,725,341
<LOAN-LOSSES>                                  775,000
<SECURITIES-GAINS>                              61,925
<EXPENSE-OTHER>                              6,717,785
<INCOME-PRETAX>                              2,644,803
<INCOME-PRE-EXTRAORDINARY>                   2,644,803
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,621,105
<EPS-PRIMARY>                                     0.90
<EPS-DILUTED>                                     0.87
<YIELD-ACTUAL>                                    2.78
<LOANS-NON>                                  1,116,788
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                60,542
<LOANS-PROBLEM>                              6,752,000
<ALLOWANCE-OPEN>                           (2,973,457)
<CHARGE-OFFS>                                  821,942
<RECOVERIES>                                 (104,781)
<ALLOWANCE-CLOSE>                          (3,031,296)
<ALLOWANCE-DOMESTIC>                       (3,031,296)
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0