<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION, INCOME, CHANGES IN STOCKHOLDERS'
EQUITY AND NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT, OR FOR THE TWELVE
MONTHS ENDED JUNE 30, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-START>                             JUL-01-1996
<PERIOD-END>                               JUN-30-1997
<CASH>                                             667
<INT-BEARING-DEPOSITS>                           1,904
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     21,833
<INVESTMENTS-CARRYING>                         107,132
<INVESTMENTS-MARKET>                           107,197
<LOANS>                                        158,134
<ALLOWANCE>                                      2,009
<TOTAL-ASSETS>                                 294,693
<DEPOSITS>                                     174,410
<SHORT-TERM>                                    21,784
<LIABILITIES-OTHER>                              2,753
<LONG-TERM>                                     62,857
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            17
<OTHER-SE>                                      32,872
<TOTAL-LIABILITIES-AND-EQUITY>                 294,693
<INTEREST-LOAN>                                 12,440
<INTEREST-INVEST>                                8,605
<INTEREST-OTHER>                                    80
<INTEREST-TOTAL>                                21,125
<INTEREST-DEPOSIT>                               7,086
<INTEREST-EXPENSE>                              10,884
<INTEREST-INCOME-NET>                           10,241
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                  30
<EXPENSE-OTHER>                                  5,666
<INCOME-PRETAX>                                  4,889
<INCOME-PRE-EXTRAORDINARY>                       4,889
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,959
<EPS-PRIMARY>                                     1.69
<EPS-DILUTED>                                     1.69
<YIELD-ACTUAL>                                    3.54
<LOANS-NON>                                        274
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,964
<CHARGE-OFFS>                                       18
<RECOVERIES>                                         3
<ALLOWANCE-CLOSE>                                2,009
<ALLOWANCE-DOMESTIC>                             1,029
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            980
        

</TABLE>