<TABLE> <S> <C>




<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              JUN-30-1997
<PERIOD-END>                                   MAR-31-1997
<CASH>                                               2,077
<INT-BEARING-DEPOSITS>                                 632
<FED-FUNDS-SOLD>                                        10
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         36,904
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             45,026
<ALLOWANCE>                                            339
<TOTAL-ASSETS>                                      86,911
<DEPOSITS>                                          55,285
<SHORT-TERM>                                        16,450
<LIABILITIES-OTHER>                                  1,010
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                81
<OTHER-SE>                                          14,085
<TOTAL-LIABILITIES-AND-EQUITY>                      14,166
<INTEREST-LOAN>                                      2,823
<INTEREST-INVEST>                                    1,505
<INTEREST-OTHER>                                        99
<INTEREST-TOTAL>                                     4,427
<INTEREST-DEPOSIT>                                   1,891
<INTEREST-EXPENSE>                                   2,443
<INTEREST-INCOME-NET>                                1,984
<LOAN-LOSSES>                                       20,194
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,419
<INCOME-PRETAX>                                        519
<INCOME-PRE-EXTRAORDINARY>                             579
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           352
<EPS-PRIMARY>                                          .42
<EPS-DILUTED>                                          .42
<YIELD-ACTUAL>                                        4.11
<LOANS-NON>                                            156
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                        524
<ALLOWANCE-OPEN>                                       309
<CHARGE-OFFS>                                           26
<RECOVERIES>                                            35
<ALLOWANCE-CLOSE>                                      339
<ALLOWANCE-DOMESTIC>                                   339
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>