<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                         1
                              
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              JUN-30-1997
<PERIOD-END>                                   MAR-31-1997
<CASH>                                             15,326
<INT-BEARING-DEPOSITS>                            360,466
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                    10,117,692
<INVESTMENTS-CARRYING>                         25,474,675   
<INVESTMENTS-MARKET>                           34,636,356
<LOANS>                                        19,091,936<F1>
<ALLOWANCE>                                       213,034
<TOTAL-ASSETS>                                 55,730,838
<DEPOSITS>                                     42,561,895
<SHORT-TERM>                                      850,318
<LIABILITIES-OTHER>                               208,883
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                          112,500
<OTHER-SE>                                     11,997,242
<TOTAL-LIABILITIES-AND-EQUITY>                 55,730,838
<INTEREST-LOAN>                                 1,141,005
<INTEREST-INVEST>                               1,488,339
<INTEREST-OTHER>                                  161,637
<INTEREST-TOTAL>                                2,790,981
<INTEREST-DEPOSIT>                              1,561,553
<INTEREST-EXPENSE>                              1,562,479
<INTEREST-INCOME-NET>                           1,228,502
<LOAN-LOSSES>                                           0
<SECURITIES-GAINS>                                  2,863 
<EXPENSE-OTHER>                                 1,093,955
<INCOME-PRETAX>                                   177,115
<INCOME-PRE-EXTRAORDINARY>                        177,115
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                      125,012
<EPS-PRIMARY>                                         .13
<EPS-DILUTED>                                         .13
<YIELD-ACTUAL>                                       3.09
<LOANS-NON>                                             0
<LOANS-PAST>                                      840,419
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                   840,419
<ALLOWANCE-OPEN>                                  213,034
<CHARGE-OFFS>                                           0
<RECOVERIES>                                            0 
<ALLOWANCE-CLOSE>                                 213,034
<ALLOWANCE-DOMESTIC>                              213,034  
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                           213,034
<FN>
<F1>Not net of allowance
</FN>

        


</TABLE>