<TABLE> <S> <C>




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<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  YEAR
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<PERIOD-END>                                   JUN-30-1997
<CASH>                                                 200
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<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
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<INVESTMENTS-MARKET>                                   153
<LOANS>                                             27,225
<ALLOWANCE>                                            177
<TOTAL-ASSETS>                                      34,403
<DEPOSITS>                                          21,969
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    383
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                79
<OTHER-SE>                                          11,971
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<INTEREST-LOAN>                                      2,249
<INTEREST-INVEST>                                       20
<INTEREST-OTHER>                                       304
<INTEREST-TOTAL>                                     2,573
<INTEREST-DEPOSIT>                                   1,043
<INTEREST-EXPENSE>                                   1,043
<INTEREST-INCOME-NET>                                1,530
<LOAN-LOSSES>                                           16
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,028
<INCOME-PRETAX>                                        506
<INCOME-PRE-EXTRAORDINARY>                             328
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           328
<EPS-PRIMARY>                                          .44
<EPS-DILUTED>                                          .44
<YIELD-ACTUAL>                                        2.93
<LOANS-NON>                                            191
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                        191
<ALLOWANCE-OPEN>                                       161
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      177
<ALLOWANCE-DOMESTIC>                                   177
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>