<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
REGISTRANT'S  CONSOLIDATED FINANCIAL STATEMENTS FOR THE TWELVE MONTHS ENDED JUNE
30,  1997 AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO SUCH  FINANCIAL
STATEMENTS
</LEGEND>
     <CIK>                    0001040734
<NAME>                        Citizens Bancorp
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              JUN-30-1997
<PERIOD-START>                                 JUL-1-1996
<PERIOD-END>                                   JUN-30-1997
<EXCHANGE-RATE>                                1.000
<CASH>                                         861
<INT-BEARING-DEPOSITS>                         3,264
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    161
<INVESTMENTS-CARRYING>                         332
<INVESTMENTS-MARKET>                           332
<LOANS>                                        38,435
<ALLOWANCE>                                    212
<TOTAL-ASSETS>                                 46,353
<DEPOSITS>                                     36,355
<SHORT-TERM>                                   4,000
<LIABILITIES-OTHER>                            307
<LONG-TERM>                                    0
<COMMON>                                       0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<OTHER-SE>                                     5,691
<TOTAL-LIABILITIES-AND-EQUITY>                 46,353
<INTEREST-LOAN>                                3,210
<INTEREST-INVEST>                              120
<INTEREST-OTHER>                               179
<INTEREST-TOTAL>                               3,509
<INTEREST-DEPOSIT>                             1,641
<INTEREST-EXPENSE>                             1,814
<INTEREST-INCOME-NET>                          1,695
<LOAN-LOSSES>                                  83
<SECURITIES-GAINS>                             (60)
<EXPENSE-OTHER>                                1,217
<INCOME-PRETAX>                                554
<INCOME-PRE-EXTRAORDINARY>                     371
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   371
<EPS-PRIMARY>                                  0
<EPS-DILUTED>                                  0
<YIELD-ACTUAL>                                 4.02
<LOANS-NON>                                    0
<LOANS-PAST>                                   303
<LOANS-TROUBLED>                               41
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               138
<CHARGE-OFFS>                                  (11)
<RECOVERIES>                                   2
<ALLOWANCE-CLOSE>                              212
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        212
        


</TABLE>