<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> JUN-30-1998 <PERIOD-START> JUL-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 3,301 <INT-BEARING-DEPOSITS> 6,931 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 24,997 <INVESTMENTS-CARRYING> 1,518 <INVESTMENTS-MARKET> 1,518 <LOANS> 77,608 <ALLOWANCE> 746 <TOTAL-ASSETS> 117,218 <DEPOSITS> 94,893 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,315 <LONG-TERM> 5,346 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 14,664 <TOTAL-LIABILITIES-AND-EQUITY> 117,218 <INTEREST-LOAN> 1,609 <INTEREST-INVEST> 510 <INTEREST-OTHER> 30 <INTEREST-TOTAL> 2,149 <INTEREST-DEPOSIT> 1,223 <INTEREST-EXPENSE> 1,322 <INTEREST-INCOME-NET> 827 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 542 <INCOME-PRETAX> 344 <INCOME-PRE-EXTRAORDINARY> 243 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 243 <EPS-PRIMARY> .16 <EPS-DILUTED> .15 <YIELD-ACTUAL> 2.94 <LOANS-NON> 103 <LOANS-PAST> 76 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 759 <CHARGE-OFFS> 10 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 746 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 746