<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1997             JUN-30-1997
<PERIOD-END>                               DEC-31-1996             DEC-31-1996
<CASH>                                           3,517                   3,517
<INT-BEARING-DEPOSITS>                             371                     371
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     57,638                  57,638
<INVESTMENTS-CARRYING>                           9,225                   9,225
<INVESTMENTS-MARKET>                            10,754                  10,754
<LOANS>                                        266,700                 266,700
<ALLOWANCE>                                      2,946                   2,946
<TOTAL-ASSETS>                                 348,050                 348,050
<DEPOSITS>                                     225,306                 225,306
<SHORT-TERM>                                    74,981                  74,981
<LIABILITIES-OTHER>                              7,381                   7,381
<LONG-TERM>                                     19,159                  19,159
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                            20                      20
<OTHER-SE>                                      21,203                  21,203
<TOTAL-LIABILITIES-AND-EQUITY>                 348,050                 348,050
<INTEREST-LOAN>                                  5,282                  10,313
<INTEREST-INVEST>                                1,249                   2,493
<INTEREST-OTHER>                                    12                      11
<INTEREST-TOTAL>                                 6,543                  12,817
<INTEREST-DEPOSIT>                               2,944                   5,904
<INTEREST-EXPENSE>                               4,356                   8,592
<INTEREST-INCOME-NET>                            2,187                   4,225
<LOAN-LOSSES>                                        0                       0
<SECURITIES-GAINS>                                (16)                    (15)
<EXPENSE-OTHER>                                    353                   1,906
<INCOME-PRETAX>                                    691                     142
<INCOME-PRE-EXTRAORDINARY>                         691                     142
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       456                      94
<EPS-PRIMARY>                                      .20                     .04
<EPS-DILUTED>                                      .20                     .04
<YIELD-ACTUAL>                                    7.92                    7.69
<LOANS-NON>                                      1,352                   1,352
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                 1,852                   1,852
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,946                   2,946
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                2,946                   2,946
<ALLOWANCE-DOMESTIC>                             2,946                   2,946
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          2,588                   2,588
        

</TABLE>