<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the Statement of Condition and the Statement of Operation for the period ended June 30, 1997 and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> JUN-30-1997 <PERIOD-START> JUL-01-1996 <PERIOD-END> JUN-30-1997 <CASH> 7,760 <INT-BEARING-DEPOSITS> 445 <FED-FUNDS-SOLD> 1,375 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 13,995 <INVESTMENTS-MARKET> 13,899 <LOANS> 342,112 <ALLOWANCE> 2,675 <TOTAL-ASSETS> 373,081 <DEPOSITS> 288,270 <SHORT-TERM> 31,000 <LIABILITIES-OTHER> 8,823 <LONG-TERM> 18,715 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 26 <OTHER-SE> 26,247 <TOTAL-LIABILITIES-AND-EQUITY> 373,081 <INTEREST-LOAN> 29,704 <INTEREST-INVEST> 1,259 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 30,963 <INTEREST-DEPOSIT> 13,958 <INTEREST-EXPENSE> 16,561 <INTEREST-INCOME-NET> 14,402 <LOAN-LOSSES> 187 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 10,000 <INCOME-PRETAX> 5,550 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,647 <EPS-PRIMARY> 1.43 <EPS-DILUTED> 1.33 <YIELD-ACTUAL> 3.840 <LOANS-NON> 4,137 <LOANS-PAST> 476 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 918 <ALLOWANCE-OPEN> 2,565 <CHARGE-OFFS> 198 <RECOVERIES> 121 <ALLOWANCE-CLOSE> 2,675 <ALLOWANCE-DOMESTIC> 2,675 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,598