<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1996
<PERIOD-START>                             JUL-01-1995
<PERIOD-END>                               MAR-31-1996
<CASH>                                       2,072,038
<INT-BEARING-DEPOSITS>                       5,165,507
<FED-FUNDS-SOLD>                               200,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 18,711,378
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<INVESTMENTS-MARKET>                        18,693,947
<LOANS>                                     94,146,722
<ALLOWANCE>                                    660,156
<TOTAL-ASSETS>                             142,777,295
<DEPOSITS>                                 122,838,365
<SHORT-TERM>                                 1,957,351
<LIABILITIES-OTHER>                          1,807,667
<LONG-TERM>                                    705,964
<PREFERRED-MANDATORY>                                0
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<COMMON>                                     4,707,893
<OTHER-SE>                                  10,760,045
<TOTAL-LIABILITIES-AND-EQUITY>             142,777,295
<INTEREST-LOAN>                              1,948,064
<INTEREST-INVEST>                              590,876
<INTEREST-OTHER>                                56,613
<INTEREST-TOTAL>                             2,595,553
<INTEREST-DEPOSIT>                           1,497,229
<INTEREST-EXPENSE>                           1,533,925
<INTEREST-INCOME-NET>                        1,061,628
<LOAN-LOSSES>                                    5,583
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                826,410
<INCOME-PRETAX>                                318,933
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   209,683
<EPS-PRIMARY>                                      .31
<EPS-DILUTED>                                      .31
<YIELD-ACTUAL>                                    3.11
<LOANS-NON>                                          0
<LOANS-PAST>                                   568,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               653,000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                     2,000
<ALLOWANCE-CLOSE>                              660,000
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