<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
       
<S>                                                                          <C>
<PERIOD-TYPE>                                                              3-MOS
<FISCAL-YEAR-END>                                                    JUN-30-1997
<PERIOD-START>                                                       JUL-01-1997
<PERIOD-END>                                                         SEP-30-1997
<CASH>                                                                       575
<INT-BEARING-DEPOSITS>                                                       873
<FED-FUNDS-SOLD>                                                              60
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                1,503
<INVESTMENTS-CARRYING>                                                    10,239
<INVESTMENTS-MARKET>                                                      10,175
<LOANS>                                                                   79,160
<ALLOWANCE>                                                                  472
<TOTAL-ASSETS>                                                            94,328
<DEPOSITS>                                                                74,075
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                          629
<LONG-TERM>                                                                8,539
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                      11
<OTHER-SE>                                                                11,074
<TOTAL-LIABILITIES-AND-EQUITY>                                            94,328
<INTEREST-LOAN>                                                            1,631
<INTEREST-INVEST>                                                            185
<INTEREST-OTHER>                                                               3
<INTEREST-TOTAL>                                                           1,819
<INTEREST-DEPOSIT>                                                           884
<INTEREST-EXPENSE>                                                         1,006
<INTEREST-INCOME-NET>                                                        813
<LOAN-LOSSES>                                                                  2
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                              487
<INCOME-PRETAX>                                                              367
<INCOME-PRE-EXTRAORDINARY>                                                   236
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 236
<EPS-PRIMARY>                                                                .19
<EPS-DILUTED>                                                                .18
<YIELD-ACTUAL>                                                              3.58
<LOANS-NON>                                                                    0
<LOANS-PAST>                                                                 457
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                              129
<ALLOWANCE-OPEN>                                                             478
<CHARGE-OFFS>                                                                  8
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                            472
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      472
        


</TABLE>