<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> JUN-30-1996 <PERIOD-END> JUN-30-1996 <CASH> 14,947 <INT-BEARING-DEPOSITS> 699 <FED-FUNDS-SOLD> 4,425 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 86,033 <INVESTMENTS-CARRYING> 11,270 <INVESTMENTS-MARKET> 11,560 <LOANS> 243,927 <ALLOWANCE> 6,057 <TOTAL-ASSETS> 374,595 <DEPOSITS> 331,499 <SHORT-TERM> 2,217 <LIABILITIES-OTHER> 3,427 <LONG-TERM> 0 <COMMON> 18,275 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 19,177 <TOTAL-LIABILITIES-AND-EQUITY> 374,595 <INTEREST-LOAN> 10,843 <INTEREST-INVEST> 2,709 <INTEREST-OTHER> 428 <INTEREST-TOTAL> 13,980 <INTEREST-DEPOSIT> 6,633 <INTEREST-EXPENSE> 6,655 <INTEREST-INCOME-NET> 7,325 <LOAN-LOSSES> 78 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,995 <INCOME-PRETAX> 3,113 <INCOME-PRE-EXTRAORDINARY> 3,113 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,148 <EPS-PRIMARY> 1.18 <EPS-DILUTED> 1.18 <YIELD-ACTUAL> 4.27 <LOANS-NON> 1,164 <LOANS-PAST> 2,777 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,941 <ALLOWANCE-OPEN> 5,933 <CHARGE-OFFS> 107 <RECOVERIES> 153 <ALLOWANCE-CLOSE> 6,057 <ALLOWANCE-DOMESTIC> 6,057 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,025