<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> JUN-30-1999 <PERIOD-START> JUL-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 4,484 <INT-BEARING-DEPOSITS> 5,130 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 28,619 <INVESTMENTS-CARRYING> 1,124 <INVESTMENTS-MARKET> 1,124 <LOANS> 78,260 <ALLOWANCE> 746 <TOTAL-ASSETS> 120,776 <DEPOSITS> 97,928 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,622 <LONG-TERM> 5,838 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 15,388 <TOTAL-LIABILITIES-AND-EQUITY> 120,776 <INTEREST-LOAN> 3,200 <INTEREST-INVEST> 1,023 <INTEREST-OTHER> 46 <INTEREST-TOTAL> 4,269 <INTEREST-DEPOSIT> 2,440 <INTEREST-EXPENSE> 2,609 <INTEREST-INCOME-NET> 1,660 <LOAN-LOSSES> (1) <SECURITIES-GAINS> 29 <EXPENSE-OTHER> 1,115 <INCOME-PRETAX> 705 <INCOME-PRE-EXTRAORDINARY> 501 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 501 <EPS-PRIMARY> .32 <EPS-DILUTED> .31 <YIELD-ACTUAL> 2.94 <LOANS-NON> 358 <LOANS-PAST> 48 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 759 <CHARGE-OFFS> 10 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 746 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 746