<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> JUN-30-1998 <PERIOD-START> JUL-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 415 <INT-BEARING-DEPOSITS> 6,671 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 23,238 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 77,350 <ALLOWANCE> 806 <TOTAL-ASSETS> 113,176 <DEPOSITS> 90,809 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,597 <LONG-TERM> 3,269 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 17,501 <TOTAL-LIABILITIES-AND-EQUITY> 113,176 <INTEREST-LOAN> 3,161 <INTEREST-INVEST> 1,011 <INTEREST-OTHER> 116 <INTEREST-TOTAL> 4,288 <INTEREST-DEPOSIT> 2,366 <INTEREST-EXPENSE> 2,474 <INTEREST-INCOME-NET> 1,814 <LOAN-LOSSES> (4) <SECURITIES-GAINS> 4 <EXPENSE-OTHER> 1,211 <INCOME-PRETAX> 746 <INCOME-PRE-EXTRAORDINARY> 500 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 500 <EPS-PRIMARY> .32 <EPS-DILUTED> .31 <YIELD-ACTUAL> 3.29 <LOANS-NON> 92 <LOANS-PAST> 938 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 820 <CHARGE-OFFS> 11 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 806 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 806