<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