<TABLE> <S> <C>


<ARTICLE>                                               9             
<MULTIPLIER>                                        1,000
       
<S>                                                 <C>
<PERIOD-TYPE>                                        9-MOS
<FISCAL-YEAR-END>                              JUN-30-1997
<PERIOD-START>                                 JUL-01-1996
<PERIOD-END>                                   MAR-31-1997
<CASH>                                               2,076
<INT-BEARING-DEPOSITS>                                 832
<FED-FUNDS-SOLD>                                        60
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          6,499
<INVESTMENTS-CARRYING>                              11,781
<INVESTMENTS-MARKET>                                11,595
<LOANS>                                             74,110
<ALLOWANCE>                                            460
<TOTAL-ASSETS>                                      97,446
<DEPOSITS>                                          72,015
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    579
<LONG-TERM>                                         13,631
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 7
<OTHER-SE>                                          11,214
<TOTAL-LIABILITIES-AND-EQUITY>                      97,446
<INTEREST-LOAN>                                      4,398
<INTEREST-INVEST>                                      917
<INTEREST-OTHER>                                       129
<INTEREST-TOTAL>                                     5,444
<INTEREST-DEPOSIT>                                   2,451
<INTEREST-EXPENSE>                                   3,017
<INTEREST-INCOME-NET>                                2,427
<LOAN-LOSSES>                                          118
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,868
<INCOME-PRETAX>                                        541
<INCOME-PRE-EXTRAORDINARY>                             359
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           359
<EPS-PRIMARY>                                          .27
<EPS-DILUTED>                                          .26
<YIELD-ACTUAL>                                        3.48
<LOANS-NON>                                              0
<LOANS-PAST>                                           645
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       459
<CHARGE-OFFS>                                          191
<RECOVERIES>                                            74
<ALLOWANCE-CLOSE>                                      460
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                460
        


</TABLE>