<ARTICLE> 9
<RESTATED>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-START>                             JUL-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                      1,667,405
<INT-BEARING-DEPOSITS>                      1,480,568
<FED-FUNDS-SOLD>                              100,000
<TRADING-ASSETS>                            1,097,738
<INVESTMENTS-HELD-FOR-SALE>                24,864,760 
<INVESTMENTS-CARRYING>                     18,587,864
<INVESTMENTS-MARKET>                       18,559,636
<LOANS>                                   109,100,026    
<ALLOWANCE>                                   778,123
<TOTAL-ASSETS>                            160,875,696
<DEPOSITS>                                132,205,551
<SHORT-TERM>                                8,500,000
<LIABILITIES-OTHER>                         1,389,989
<LONG-TERM>                                   706,406
<COMMON>                                            0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                 4,868,530
<OTHER-SE>                                 12,058,924
<TOTAL-LIABILITIES-AND-EQUITY>            160,875,696
<INTEREST-LOAN>                             2,394,912
<INTEREST-INVEST>                             738,594
<INTEREST-OTHER>                               35,852
<INTEREST-TOTAL>                            3,169,358
<INTEREST-DEPOSIT>                          1,604,149
<INTEREST-EXPENSE>                          1,726,704
<INTEREST-INCOME-NET>                       1,442,654
<LOAN-LOSSES>                                  67,955
<SECURITIES-GAINS>                            175,446
<EXPENSE-OTHER>                               893,484
<INCOME-PRETAX>                               776,979
<INCOME-PRE-EXTRAORDINARY>                    776,979
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                  450,450    
<EPS-PRIMARY>                                     .42 <F1>
<EPS-DILUTED>                                     .41 <F1>
<YIELD-ACTUAL>                                   3.71
<LOANS-NON>                                         0
<LOANS-PAST>                                  536,000
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                             1,400,000
<ALLOWANCE-OPEN>                              710,168
<CHARGE-OFFS>                                       0
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                             778,123
<ALLOWANCE-DOMESTIC>                          302,193
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                       475,930
<FN>
<F1>  Restated for adoption of SFAS 128.
</FN>