<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10QSB FOR THE QUARTER ENDED SEPTEMBER 30, 1998
</LEGEND>
<MULTIPLIER>                                     1
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                         310,872
<INT-BEARING-DEPOSITS>                       1,441,862
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 14,483,914
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     25,057,798
<ALLOWANCE>                                    395,704
<TOTAL-ASSETS>                              42,351,184
<DEPOSITS>                                  28,659,880
<SHORT-TERM>                                 6,580,000
<LIABILITIES-OTHER>                            306,938
<LONG-TERM>                                  2,771,346
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,958
<OTHER-SE>                                   4,031,062
<TOTAL-LIABILITIES-AND-EQUITY>              42,351,184
<INTEREST-LOAN>                                574,061
<INTEREST-INVEST>                              208,307
<INTEREST-OTHER>                                22,699
<INTEREST-TOTAL>                               805,067
<INTEREST-DEPOSIT>                             373,494
<INTEREST-EXPENSE>                             147,752
<INTEREST-INCOME-NET>                          283,821
<LOAN-LOSSES>                                    7,000
<SECURITIES-GAINS>                                 700
<EXPENSE-OTHER>                                280,060
<INCOME-PRETAX>                                195,139
<INCOME-PRE-EXTRAORDINARY>                     195,139
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   135,972
<EPS-PRIMARY>                                      .75
<EPS-DILUTED>                                      .73
<YIELD-ACTUAL>                                    2.76
<LOANS-NON>                                    209,000
<LOANS-PAST>                                   284,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                150,000
<ALLOWANCE-OPEN>                               341,000
<CHARGE-OFFS>                                    7,000
<RECOVERIES>                                    55,000
<ALLOWANCE-CLOSE>                              396,000
<ALLOWANCE-DOMESTIC>                            20,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        376,000