<TABLE> <S> <C>

       
<ARTICLE>                                            9
<MULTIPLIER>                                   1
<S>                             <C>
<PERIOD-TYPE>                   3-mos
<FISCAL-YEAR-END>                              JUN-30-1996
<PERIOD-START>                                 JUL-01-1996
<PERIOD-END>                                   SEP-30-1996
<CASH>                                           1,297,238
<INT-BEARING-DEPOSITS>                           5,182,905
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     11,415,646
<INVESTMENTS-CARRYING>                           3,529,033
<INVESTMENTS-MARKET>                                     0
<LOANS>                                         86,131,345
<ALLOWANCE>                                        834,001
<TOTAL-ASSETS>                                 115,229,190
<DEPOSITS>                                      78,655,812
<SHORT-TERM>                                    15,420,000
<LIABILITIES-OTHER>                              1,811,056
<LONG-TERM>                                     10,000,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         1,148,960
<OTHER-SE>                                       5,187,749
<TOTAL-LIABILITIES-AND-EQUITY>                 115,229,190
<INTEREST-LOAN>                                  1,739,899
<INTEREST-INVEST>                                  394,921
<INTEREST-OTHER>                                    24,864
<INTEREST-TOTAL>                                 2,159,684
<INTEREST-DEPOSIT>                                 968,313
<INTEREST-EXPENSE>                               1,442,675
<INTEREST-INCOME-NET>                              717,009
<LOAN-LOSSES>                                       46,050
<SECURITIES-GAINS>                                  (7,756)
<EXPENSE-OTHER>                                    649,179
<INCOME-PRETAX>                                    296,180
<INCOME-PRE-EXTRAORDINARY>                         192,517
<EXTRAORDINARY>                                   (225,488)
<CHANGES>                                                0
<NET-INCOME>                                       (32,971)
<EPS-PRIMARY>                                        (0.04)
<EPS-DILUTED>                                        (0.04)
<YIELD-ACTUAL>                                       8.000
<LOANS-NON>                                      1,542,028
<LOANS-PAST>                                        88,338
<LOANS-TROUBLED>                                   615,195
<LOANS-PROBLEM>                                  1,530,717
<ALLOWANCE-OPEN>                                   788,145
<CHARGE-OFFS>                                            0
<RECOVERIES>                                           194
<ALLOWANCE-CLOSE>                                  834,001
<ALLOWANCE-DOMESTIC>                               157,096
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                            676,905
        


</TABLE>