<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
STATEMENT OF CONDITION AND THE STATEMENT OF OPERATIONS FOR THE PERIOD ENDED
MARCH 31, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1996
<PERIOD-START>                             JUL-01-1995
<PERIOD-END>                               MAR-31-1996
<CASH>                                           4,135
<INT-BEARING-DEPOSITS>                             162
<FED-FUNDS-SOLD>                                 4,275
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,774
<INVESTMENTS-CARRYING>                           9,803
<INVESTMENTS-MARKET>                             9,803
<LOANS>                                        285,282
<ALLOWANCE>                                      2,620
<TOTAL-ASSETS>                                 318,100
<DEPOSITS>                                     270,638
<SHORT-TERM>                                     6,000
<LIABILITIES-OTHER>                              5,828
<LONG-TERM>                                     14,310
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            15
<OTHER-SE>                                      21,310
<TOTAL-LIABILITIES-AND-EQUITY>                 318,100
<INTEREST-LOAN>                                 18,799
<INTEREST-INVEST>                                1,745
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                20,544
<INTEREST-DEPOSIT>                              11,496
<INTEREST-EXPENSE>                              11,911
<INTEREST-INCOME-NET>                            8,634
<LOAN-LOSSES>                                      417
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,706
<INCOME-PRETAX>                                  3,797
<INCOME-PRE-EXTRAORDINARY>                       3,797
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,603
<EPS-PRIMARY>                                     1.58
<EPS-DILUTED>                                     1.58
<YIELD-ACTUAL>                                   3.723
<LOANS-NON>                                      3,785
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    497
<ALLOWANCE-OPEN>                                 2,665
<CHARGE-OFFS>                                      138
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                2,620
<ALLOWANCE-DOMESTIC>                             2,620
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,381