<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
*______________________ AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.

*Identify the financial statement(s) to be referenced in the legend:
</LEGEND>
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                                    6-MOS                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1999             JUN-30-1998
<PERIOD-START>                             JUL-01-1998             JUL-01-1997
<PERIOD-END>                               DEC-31-1998             DEC-31-1997
<CASH>                                             157                     172
<INT-BEARING-DEPOSITS>                           3,339                   3,289
<FED-FUNDS-SOLD>                                   525                     750
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                        585                     380
<INVESTMENTS-CARRYING>                           8,395                   4,374
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                         11,467                  11,323
<ALLOWANCE>                                        104                     100
<TOTAL-ASSETS>                                  24,928                  20,723
<DEPOSITS>                                      15,147                  16,656
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                                212                     208
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         5,425                       0
<OTHER-SE>                                       4,144                   3,859
<TOTAL-LIABILITIES-AND-EQUITY>                  24,928                  20,723
<INTEREST-LOAN>                                    462                     475
<INTEREST-INVEST>                                  336                     243
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                   798                     718
<INTEREST-DEPOSIT>                                 371                     412
<INTEREST-EXPENSE>                                   0                       0
<INTEREST-INCOME-NET>                              427                     306
<LOAN-LOSSES>                                        2                       0
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                    310                     227
<INCOME-PRETAX>                                    115                      79
<INCOME-PRE-EXTRAORDINARY>                         115                      79
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                        86                      62
<EPS-PRIMARY>                                     0.15                       0
<EPS-DILUTED>                                     0.15                       0
<YIELD-ACTUAL>                                    3.49                    3.09
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                       152                     312
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   104                     100
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                  104                     100
<ALLOWANCE-DOMESTIC>                               104                     100
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0