<TABLE> <S> <C>


<ARTICLE> 9
<LEGEND>
The  schedule  contains  summary  financial   information   extracted  from  the
Consolidated Balance Sheets as of December 31, 1996 and 1995, and June 30, 1996,
and the related  Consolidated  Income  Statements  for the 3 months and 6 months
ending  December 31, 1996 and 1995,  and the periods ended December 31, 1996 and
1995,  and  is  qualified  in  its  entirety  by  reference  to  such  financial
statements.
</LEGEND>
<MULTIPLIER> 1000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               DEC-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                           1,519
<INT-BEARING-DEPOSITS>                           7,681
<FED-FUNDS-SOLD>                                 1,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,982
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         50,958
<ALLOWANCE>                                        400
<TOTAL-ASSETS>                                  68,140
<DEPOSITS>                                      49,559
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                497
<LONG-TERM>                                      4,101
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      13,983
<TOTAL-LIABILITIES-AND-EQUITY>                  68,140
<INTEREST-LOAN>                                  1,163
<INTEREST-INVEST>                                   91
<INTEREST-OTHER>                                    35
<INTEREST-TOTAL>                                 1,289
<INTEREST-DEPOSIT>                                 686
<INTEREST-EXPENSE>                                  60
<INTEREST-INCOME-NET>                              543
<LOAN-LOSSES>                                       36
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    277
<INCOME-PRETAX>                                    248
<INCOME-PRE-EXTRAORDINARY>                         193
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       193
<EPS-PRIMARY>                                     0.22
<EPS-DILUTED>                                     0.22
<YIELD-ACTUAL>                                    3.74
<LOANS-NON>                                        231
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    565
<ALLOWANCE-OPEN>                                   363
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  400
<ALLOWANCE-DOMESTIC>                               400
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            256
        


</TABLE>