[ARTICLE] 9
[MULTIPLIER] 1000
<TABLE>
<S> <C>
[PERIOD-TYPE] 6-MOS
[FISCAL-YEAR-END] JUN-30-1996
[PERIOD-START] JUL-01-1995
[PERIOD-END] DEC-31-1995
[CASH] 10222
[INT-BEARING-DEPOSITS] 5000
[FED-FUNDS-SOLD] 4300
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 20238
[INVESTMENTS-CARRYING] 22161
[INVESTMENTS-MARKET] 22527
[LOANS] 159730
[ALLOWANCE] 2735
[TOTAL-ASSETS] 231105
[DEPOSITS] 188456
[SHORT-TERM] 12402
[LIABILITIES-OTHER] 6621
[LONG-TERM] 0
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 2885
[OTHER-SE] 20471
[TOTAL-LIABILITIES-AND-EQUITY] 231105
[INTEREST-LOAN] 7307
[INTEREST-INVEST] 1291
[INTEREST-OTHER] 459
[INTEREST-TOTAL] 9057
[INTEREST-DEPOSIT] 3710
[INTEREST-EXPENSE] 4169
[INTEREST-INCOME-NET] 4888
[LOAN-LOSSES] 240
[SECURITIES-GAINS] 5
[EXPENSE-OTHER] 3457
[INCOME-PRETAX] 1934
[INCOME-PRE-EXTRAORDINARY] 1934
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] 1268
[EPS-PRIMARY] 2.20
[EPS-DILUTED] 2.20
[YIELD-ACTUAL] 8.53
[LOANS-NON] 1350
[LOANS-PAST] 173
[LOANS-TROUBLED] 463
[LOANS-PROBLEM] 370
[ALLOWANCE-OPEN] 2349
[CHARGE-OFFS] 215
[RECOVERIES] 361
[ALLOWANCE-CLOSE] 2735
[ALLOWANCE-DOMESTIC] 1266
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 1469
</TABLE>
