<ARTICLE> 9
<LEGEND>
THE FOLLOWING SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS CONTAINED IN THE REGISTRANT'S QUARTERLY REPORT ON FORM
10-QSB FOR THE PERIOD ENDED DECEMBER 31, 1997 AND IS QUALIFIED IN IT'S ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-END>                               DEC-31-1997
<CASH>                                       1,864,492
<INT-BEARING-DEPOSITS>                         906,266
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           9,763
<INVESTMENTS-MARKET>                             9,763
<LOANS>                                     72,158,662
<ALLOWANCE>                                    331,634
<TOTAL-ASSETS>                              77,443,563
<DEPOSITS>                                  42,358,441
<SHORT-TERM>                                 4,499,688
<LIABILITIES-OTHER>                            862,204
<LONG-TERM>                                 16,663,279
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,830
<OTHER-SE>                                  13,045,121
<TOTAL-LIABILITIES-AND-EQUITY>              77,443,563
<INTEREST-LOAN>                              3,120,736
<INTEREST-INVEST>                                  365
<INTEREST-OTHER>                               102,977
<INTEREST-TOTAL>                             3,224,078
<INTEREST-DEPOSIT>                             791,560
<INTEREST-EXPENSE>                           1,456,317
<INTEREST-INCOME-NET>                        1,767,761
<LOAN-LOSSES>                                   40,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,109,250
<INCOME-PRETAX>                                923,940
<INCOME-PRE-EXTRAORDINARY>                     598,940
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   598,940
<EPS-PRIMARY>                                     0.48
<EPS-DILUTED>                                     0.47
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                     16,321
<LOANS-PAST>                                   630,709
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               302,903
<CHARGE-OFFS>                                   12,241
<RECOVERIES>                                       972
<ALLOWANCE-CLOSE>                              331,634
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0