[ARTICLE] 9
<TABLE>
<S> <C>
[PERIOD-TYPE] 6-MOS
[FISCAL-YEAR-END] JUN-3-1997
[PERIOD-END] DEC-31-1996
[CASH] 843575
[INT-BEARING-DEPOSITS] 4889583
[FED-FUNDS-SOLD] 0
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 27545948
[INVESTMENTS-CARRYING] 52947206
[INVESTMENTS-MARKET] 53005477
[LOANS] 59013421
[ALLOWANCE] 1348040
[TOTAL-ASSETS] 146922082
[DEPOSITS] 102842012
[SHORT-TERM] 15475563
[LIABILITIES-OTHER] 1844057
[LONG-TERM] 0
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 17828
[OTHER-SE] 26742622
[TOTAL-LIABILITIES-AND-EQUITY] 146922082
[INTEREST-LOAN] 2520236
[INTEREST-INVEST] 2829468
[INTEREST-OTHER] 0
[INTEREST-TOTAL] 5349704
[INTEREST-DEPOSIT] 1916166
[INTEREST-EXPENSE] 423997
[INTEREST-INCOME-NET] 2340163
[LOAN-LOSSES] 0
[SECURITIES-GAINS] 0
[EXPENSE-OTHER] 2059514
[INCOME-PRETAX] 1354299
[INCOME-PRE-EXTRAORDINARY] 1354299
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] 818299
[EPS-PRIMARY] .60
[EPS-DILUTED] .60
[YIELD-ACTUAL] 7.744
[LOANS-NON] 316000
[LOANS-PAST] 0
[LOANS-TROUBLED] 0
[LOANS-PROBLEM] 0
[ALLOWANCE-OPEN] 1347855
[CHARGE-OFFS] 3000
[RECOVERIES] 3000
[ALLOWANCE-CLOSE] 1348040
[ALLOWANCE-DOMESTIC] 1348040
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 0
</TABLE>
