<ARTICLE>                       9
       
                           
<PERIOD-TYPE>                 YEAR
<FISCAL-YEAR-END>             JUN-30-1997               
<PERIOD-START>                JUL-01-1996                 
<PERIOD-END>                  JUN-30-1997                                        
<CASH>                                  8,694,283       
<INT-BEARING-DEPOSITS>                    481,430     
<FED-FUNDS-SOLD>                                0
<TRADING-ASSETS>                                0
<INVESTMENTS-HELD-FOR-SALE>             5,192,323      
<INVESTMENTS-CARRYING>                 17,484,427        
<INVESTMENTS-MARKET>                   17,800,023       
<LOANS>                               327,791,495         
<ALLOWANCE>                             1,714,512      
<TOTAL-ASSETS>                        377,380,353         
<DEPOSITS>                            281,342,174         
<SHORT-TERM>                           41,514,194        
<LIABILITIES-OTHER>                     2,859,235       
<LONG-TERM>                                     0
<PREFERRED-MANDATORY>                           0 
<PREFERRED>                                     0
<COMMON>                                4,170,003       
<OTHER-SE>                             47,494,747        
<TOTAL-LIABILITIES-AND-EQUITY>        377,380,353         
<INTEREST-LOAN>                        26,944,715        
<INTEREST-INVEST>                       1,837,661       
<INTEREST-OTHER>                                0
<INTEREST-TOTAL>                       28,782,376        
<INTEREST-DEPOSIT>                     12,069,782        
<INTEREST-EXPENSE>                     14,375,507        
<INTEREST-INCOME-NET>                  14,406,869        
<LOAN-LOSSES>                             200,000     
<SECURITIES-GAINS>                        316,927     
<EXPENSE-OTHER>                         9,471,934       
<INCOME-PRETAX>                         7,202,954       
<INCOME-PRE-EXTRAORDINARY>              7,202,954       
<EXTRAORDINARY>                                 0  
<CHANGES>                                       0
<NET-INCOME>                            4,774,062       
<EPS-PRIMARY>                                1.14 
<EPS-DILUTED>                                1.14  
<YIELD-ACTUAL>                               8.30  
<LOANS-NON>                                     0
<LOANS-PAST>                            1,540,000       
<LOANS-TROUBLED>                                0
<LOANS-PROBLEM>                         1,739,000       
<ALLOWANCE-OPEN>                        1,612,627       
<CHARGE-OFFS>                             131,132     
<RECOVERIES>                               33,017    
<ALLOWANCE-CLOSE>                       1,714,512       
<ALLOWANCE-DOMESTIC>                            0
<ALLOWANCE-FOREIGN>                             0
<ALLOWANCE-UNALLOCATED>                 1,714,512