<TABLE> <S> <C>



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<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              JUN-30-1997
<PERIOD-END>                                   DEC-31-1996
<CASH>                                                 192
<INT-BEARING-DEPOSITS>                               2,403
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                               2,921
<INVESTMENTS-MARKET>                                 2,987
<LOANS>                                             28,051
<ALLOWANCE>                                            169
<TOTAL-ASSETS>                                      34,429
<DEPOSITS>                                          22,363
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    198
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                77
<OTHER-SE>                                          11,791
<TOTAL-LIABILITIES-AND-EQUITY>                      34,429
<INTEREST-LOAN>                                      1,146
<INTEREST-INVEST>                                       66
<INTEREST-OTHER>                                        94
<INTEREST-TOTAL>                                     1,306
<INTEREST-DEPOSIT>                                     533
<INTEREST-EXPENSE>                                       0
<INTEREST-INCOME-NET>                                  773
<LOAN-LOSSES>                                            8
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        555
<INCOME-PRETAX>                                        222
<INCOME-PRE-EXTRAORDINARY>                             222
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           140
<EPS-PRIMARY>                                          .19
<EPS-DILUTED>                                          .19
<YIELD-ACTUAL>                                        4.54
<LOANS-NON>                                            494
<LOANS-PAST>                                           473
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                        177
<ALLOWANCE-OPEN>                                       165
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      169
<ALLOWANCE-DOMESTIC>                                   169
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>