<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   9-MOS                   YEAR
<FISCAL-YEAR-END>                          JUN-30-1996             JUN-30-1995
<PERIOD-END>                               MAR-31-1996             JUN-30-1995
<CASH>                                           3,079                   3,175
<INT-BEARING-DEPOSITS>                           5,748                   2,071
<FED-FUNDS-SOLD>                                   750                   1,350
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                          27,401                  28,721
<INVESTMENTS-MARKET>                            27,226                  28,523
<LOANS>                                         84,225                  81,096
<ALLOWANCE>                                        667                     705
<TOTAL-ASSETS>                                 123,553                 118,966
<DEPOSITS>                                      98,538                  92,576
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                                845                   1,249
<LONG-TERM>                                          0                       0
<COMMON>                                            16                      16
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<OTHER-SE>                                      24,154                  25,125
<TOTAL-LIABILITIES-AND-EQUITY>                 123,553                 118,966
<INTEREST-LOAN>                                  5,285                   6,585
<INTEREST-INVEST>                                1,181                   1,578
<INTEREST-OTHER>                                   197                     267
<INTEREST-TOTAL>                                 6,663                   8,430
<INTEREST-DEPOSIT>                               3,409                   3,854
<INTEREST-EXPENSE>                               3,409                   3,854
<INTEREST-INCOME-NET>                            3,253                   4,576
<LOAN-LOSSES>                                        0                       0
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  1,785                   2,389
<INCOME-PRETAX>                                  1,894                   2,676
<INCOME-PRE-EXTRAORDINARY>                       1,894                   2,676
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,274                   1,766
<EPS-PRIMARY>                                      .86                    1.14
<EPS-DILUTED>                                      .86                    1.14
<YIELD-ACTUAL>                                    3.79                    4.04
<LOANS-NON>                                        380                     549
<LOANS-PAST>                                       333                     735
<LOANS-TROUBLED>                                   156                     307
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   706                     803
<CHARGE-OFFS>                                       40                      52
<RECOVERIES>                                         1                       4
<ALLOWANCE-CLOSE>                                  667                     705
<ALLOWANCE-DOMESTIC>                               667                     705
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0