<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED
FINANCIAL STATEMENTS OF FULTON SAVINGS BANK, FSB FOR THE YEAR ENDED APRIL 30,
1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          APR-30-1996
<PERIOD-START>                             MAY-01-1995
<PERIOD-END>                               APR-30-1996
<CASH>                                       1,842,675
<INT-BEARING-DEPOSITS>                       1,081,064
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,216,157
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     73,893,045
<ALLOWANCE>                                    782,070
<TOTAL-ASSETS>                              85,496,988
<DEPOSITS>                                  70,315,921
<SHORT-TERM>                                 5,000,000
<LIABILITIES-OTHER>                          1,063,324
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                   9,116,743
<TOTAL-LIABILITIES-AND-EQUITY>              85,495,988
<INTEREST-LOAN>                              4,914,438
<INTEREST-INVEST>                              297,716
<INTEREST-OTHER>                               959,534
<INTEREST-TOTAL>                             6,171,688
<INTEREST-DEPOSIT>                           3,463,533
<INTEREST-EXPENSE>                           2,781,030
<INTEREST-INCOME-NET>                        2,390,658
<LOAN-LOSSES>                                   44,242
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,848,848
<INCOME-PRETAX>                                983,076
<INCOME-PRE-EXTRAORDINARY>                     620,076
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   620,076
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    3.02
<LOANS-NON>                                    318,640
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               761,897
<CHARGE-OFFS>                                   27,391
<RECOVERIES>                                     3,322
<ALLOWANCE-CLOSE>                              782,070
<ALLOWANCE-DOMESTIC>                           640,084
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        141,986