<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           6,054
<INT-BEARING-DEPOSITS>                              14
<FED-FUNDS-SOLD>                                 1,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     27,009
<INVESTMENTS-CARRYING>                          46,269
<INVESTMENTS-MARKET>                            46,072
<LOANS>                                        124,516
<ALLOWANCE>                                      1,681
<TOTAL-ASSETS>                                 209,258
<DEPOSITS>                                     180,696
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,141
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,116
<OTHER-SE>                                      24,305
<TOTAL-LIABILITIES-AND-EQUITY>                 209,258
<INTEREST-LOAN>                                  5,711
<INTEREST-INVEST>                                1,984
<INTEREST-OTHER>                                   122
<INTEREST-TOTAL>                                 7,817
<INTEREST-DEPOSIT>                               3,739
<INTEREST-EXPENSE>                               3,739
<INTEREST-INCOME-NET>                            4,078
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,569
<INCOME-PRETAX>                                  1,696
<INCOME-PRE-EXTRAORDINARY>                       1,285
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,285
<EPS-PRIMARY>                                     1.15
<EPS-DILUTED>                                     1.15
<YIELD-ACTUAL>                                    7.86
<LOANS-NON>                                        450
<LOANS-PAST>                                       226
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    775
<ALLOWANCE-OPEN>                                 1,616
<CHARGE-OFFS>                                       32
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                1,681
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0