<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> JUN-30-1997 <PERIOD-START> JUL-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 954 <INT-BEARING-DEPOSITS> 5,926 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 26,641 <INVESTMENTS-CARRYING> 5,626 <INVESTMENTS-MARKET> 5,626 <LOANS> 69,027 <ALLOWANCE> 884 <TOTAL-ASSETS> 111,824 <DEPOSITS> 87,406 <SHORT-TERM> 3,000 <LIABILITIES-OTHER> 1,456 <LONG-TERM> 2,399 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,023 <OTHER-SE> 9,540 <TOTAL-LIABILITIES-AND-EQUITY> 111,824 <INTEREST-LOAN> 2,883 <INTEREST-INVEST> 1,145 <INTEREST-OTHER> 185 <INTEREST-TOTAL> 4,213 <INTEREST-DEPOSIT> 2,234 <INTEREST-EXPENSE> 2,299 <INTEREST-INCOME-NET> 1,914 <LOAN-LOSSES> 22 <SECURITIES-GAINS> 105 <EXPENSE-OTHER> 1,896 <INCOME-PRETAX> 210 <INCOME-PRE-EXTRAORDINARY> 137 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 137 <EPS-PRIMARY> .08 <EPS-DILUTED> .08 <YIELD-ACTUAL> 3.51 <LOANS-NON> 1127 <LOANS-PAST> 48 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 884 <CHARGE-OFFS> 22 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 884 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 884