<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> JUN-30-1999 <PERIOD-END> DEC-31-1998 <CASH> 617 <INT-BEARING-DEPOSITS> 12,276 <FED-FUNDS-SOLD> 21,644 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 6,090 <INVESTMENTS-CARRYING> 71,267 <INVESTMENTS-MARKET> 71,435 <LOANS> 194,095 <ALLOWANCE> 754 <TOTAL-ASSETS> 313,922 <DEPOSITS> 257,544 <SHORT-TERM> 0 <LIABILITIES-OTHER> 5,755 <LONG-TERM> 528 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,196 <OTHER-SE> 44,899 <TOTAL-LIABILITIES-AND-EQUITY> 313,922 <INTEREST-LOAN> 0 <INTEREST-INVEST> 1,545 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 5,147 <INTEREST-DEPOSIT> 3,222 <INTEREST-EXPENSE> 3,232 <INTEREST-INCOME-NET> 1,915 <LOAN-LOSSES> 2 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 684 <INCOME-PRETAX> 1,330 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 856 <EPS-PRIMARY> .17 <EPS-DILUTED> .17 <YIELD-ACTUAL> 2.6 <LOANS-NON> 2,500 <LOANS-PAST> 19 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 752 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 754 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 754