[ARTICLE] 9
<TABLE>
<S> <C>
[PERIOD-TYPE] 3-MOS
[FISCAL-YEAR-END] JUN-30-1997
[PERIOD-END] SEP-30-1996
[CASH] 589813
[INT-BEARING-DEPOSITS] 1828637
[FED-FUNDS-SOLD] 0
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 30418131
[INVESTMENTS-CARRYING] 56860310
[INVESTMENTS-MARKET] 56869674
[LOANS] 55744151
[ALLOWANCE] 1347855
[TOTAL-ASSETS] 148321064
[DEPOSITS] 81794225
[SHORT-TERM] 37905430
[LIABILITIES-OTHER] 2460251
[LONG-TERM] 0
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 17828
[OTHER-SE] 26143330
[TOTAL-LIABILITIES-AND-EQUITY] 148321064
[INTEREST-LOAN] 1230837
[INTEREST-INVEST] 1426456
[INTEREST-OTHER] 0
[INTEREST-TOTAL] 2657293
[INTEREST-DEPOSIT] 829624
[INTEREST-EXPENSE] 335213
[INTEREST-INCOME-NET] 1492456
[LOAN-LOSSES] 0
[SECURITIES-GAINS] 0
[EXPENSE-OTHER] 1380863
[INCOME-PRETAX] 246920
[INCOME-PRE-EXTRAORDINARY] 246920
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] 146920
[EPS-PRIMARY] .11
[EPS-DILUTED] .11
[YIELD-ACTUAL] 7.34
[LOANS-NON] 129000
[LOANS-PAST] 0
[LOANS-TROUBLED] 0
[LOANS-PROBLEM] 0
[ALLOWANCE-OPEN] 1331000
[CHARGE-OFFS] 2000
[RECOVERIES] 19000
[ALLOWANCE-CLOSE] 1348000
[ALLOWANCE-DOMESTIC] 1348000
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 0
</TABLE>
