<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> JUN-30-1996 <PERIOD-END> JUN-30-1996 <CASH> 1,752 <INT-BEARING-DEPOSITS> 1,689 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 29,863 <INVESTMENTS-MARKET> 28,758 <LOANS> 116,881 <ALLOWANCE> 723 <TOTAL-ASSETS> 155,890 <DEPOSITS> 143,362 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,306 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5 <OTHER-SE> 9,217 <TOTAL-LIABILITIES-AND-EQUITY> 155,890 <INTEREST-LOAN> 9,529 <INTEREST-INVEST> 1,726 <INTEREST-OTHER> 376 <INTEREST-TOTAL> 11,631 <INTEREST-DEPOSIT> 7,084 <INTEREST-EXPENSE> 6 <INTEREST-INCOME-NET> 4,541 <LOAN-LOSSES> 75 <SECURITIES-GAINS> 335 <EXPENSE-OTHER> 3,905 <INCOME-PRETAX> 2,181 <INCOME-PRE-EXTRAORDINARY> 2,181 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,417 <EPS-PRIMARY> 2.60 <EPS-DILUTED> 2.44 <YIELD-ACTUAL> 7.82 <LOANS-NON> 685 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 783 <CHARGE-OFFS> 136 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 723 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0