<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                              35
<INT-BEARING-DEPOSITS>                           1,557
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           4,853
<INVESTMENTS-MARKET>                             4,689
<LOANS>                                        118,605
<ALLOWANCE>                                        100
<TOTAL-ASSETS>                                 128,328
<DEPOSITS>                                      86,008
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,081
<LONG-TERM>                                      7,628
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            35
<OTHER-SE>                                      33,576
<TOTAL-LIABILITIES-AND-EQUITY>                 128,328
<INTEREST-LOAN>                                  2,173
<INTEREST-INVEST>                                  111
<INTEREST-OTHER>                                    17
<INTEREST-TOTAL>                                 2,301
<INTEREST-DEPOSIT>                               1,015
<INTEREST-EXPENSE>                               1,137
<INTEREST-INCOME-NET>                            1,164
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    714
<INCOME-PRETAX>                                    465
<INCOME-PRE-EXTRAORDINARY>                         465
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       307
<EPS-PRIMARY>                                     0.10
<EPS-DILUTED>                                     0.10
<YIELD-ACTUAL>                                    3.68
<LOANS-NON>                                          0
<LOANS-PAST>                                        72
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   100
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  100
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0