WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-END>                               DEC-31-1997
<CASH>                                         118,776
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<FED-FUNDS-SOLD>                                     0
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<LOANS>                                     32,796,823
<ALLOWANCE>                                    255,680
<TOTAL-ASSETS>                              44,489,893
<DEPOSITS>                                  35,088,963
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<TOTAL-LIABILITIES-AND-EQUITY>              44,489,893
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<INTEREST-DEPOSIT>                             837,722
<INTEREST-EXPENSE>                             844,989
<INTEREST-INCOME-NET>                          849,901
<LOAN-LOSSES>                                   18,000
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<EPS-BASIC>                                        .52
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<YIELD-ACTUAL>                                    3.86
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