<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SCHEDULE
10QSB DATED MARCH 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               MAR-31-1999
<CASH>                                       3,136,845
<INT-BEARING-DEPOSITS>                       2,787,652
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,029,923
<INVESTMENTS-CARRYING>                      13,353,576
<INVESTMENTS-MARKET>                        13,484,785
<LOANS>                                     66,704,736
<ALLOWANCE>                                    505,254
<TOTAL-ASSETS>                              97,656,785
<DEPOSITS>                                  65,037,513
<SHORT-TERM>                                   226,875
<LIABILITIES-OTHER>                            731,713
<LONG-TERM>                                 20,156,961
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,496
<OTHER-SE>                                  11,243,169
<TOTAL-LIABILITIES-AND-EQUITY>              97,656,785
<INTEREST-LOAN>                              4,142,536
<INTEREST-INVEST>                              750,442
<INTEREST-OTHER>                               522,855
<INTEREST-TOTAL>                             5,415,833
<INTEREST-DEPOSIT>                           2,095,052
<INTEREST-EXPENSE>                           2,970,095
<INTEREST-INCOME-NET>                        2,445,738
<LOAN-LOSSES>                                   45,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                297,997
<INCOME-PRETAX>                                582,575
<INCOME-PRE-EXTRAORDINARY>                     582,575
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   448,864
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    8.00
<LOANS-NON>                                    618,555
<LOANS-PAST>                                   123,626
<LOANS-TROUBLED>                               189,340
<LOANS-PROBLEM>                                153,182
<ALLOWANCE-OPEN>                               489,361
<CHARGE-OFFS>                                   30,517
<RECOVERIES>                                     1,410
<ALLOWANCE-CLOSE>                              505,254
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        505,254