<ARTICLE> 9
<LEGEND>
The  schedule  contains  summary   information   extracted  from  the  financial
statements  of the  September  30,  1996 Form 10-Q of Wood  Bancorp,  Inc and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-START>                             JUL-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       2,492,117
<INT-BEARING-DEPOSITS>                         251,730
<FED-FUNDS-SOLD>                               125,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 26,776,992
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    118,833,635
<ALLOWANCE>                                    537,491
<TOTAL-ASSETS>                             152,374,340
<DEPOSITS>                                 113,961,170
<SHORT-TERM>                                 9,000,000
<LIABILITIES-OTHER>                          1,425,956
<LONG-TERM>                                  7,919,367
<PREFERRED-MANDATORY>                           16,558
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                  20,051,289
<TOTAL-LIABILITIES-AND-EQUITY>             152,374,340
<INTEREST-LOAN>                              2,510,180
<INTEREST-INVEST>                              431,536
<INTEREST-OTHER>                                35,935
<INTEREST-TOTAL>                             2,977,651
<INTEREST-DEPOSIT>                           1,217,232
<INTEREST-EXPENSE>                           1,405,883
<INTEREST-INCOME-NET>                        1,571,768
<LOAN-LOSSES>                                   30,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,608,884
<INCOME-PRETAX>                                 64,611
<INCOME-PRE-EXTRAORDINARY>                      64,611
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    25,636
<EPS-PRIMARY>                                      .02
<EPS-DILUTED>                                      .02
<YIELD-ACTUAL>                                    4.27
<LOANS-NON>                                     28,000
<LOANS-PAST>                                   386,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               513,367
<CHARGE-OFFS>                                    5,943
<RECOVERIES>                                        67
<ALLOWANCE-CLOSE>                              537,491
<ALLOWANCE-DOMESTIC>                           537,491
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0