<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           10019
<INT-BEARING-DEPOSITS>                            8172
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                       1890
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                          83703
<ALLOWANCE>                                        861
<TOTAL-ASSETS>                                   99464
<DEPOSITS>                                       67096
<SHORT-TERM>                                      6500
<LIABILITIES-OTHER>                                993
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            17
<OTHER-SE>                                       24858
<TOTAL-LIABILITIES-AND-EQUITY>                   99464
<INTEREST-LOAN>                                   4983
<INTEREST-INVEST>                                  204
<INTEREST-OTHER>                                   296
<INTEREST-TOTAL>                                  5483
<INTEREST-DEPOSIT>                                2689
<INTEREST-EXPENSE>                                3026
<INTEREST-INCOME-NET>                             2457
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   2104
<INCOME-PRETAX>                                    669
<INCOME-PRE-EXTRAORDINARY>                         424
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       424
<EPS-PRIMARY>                                     0.27
<EPS-DILUTED>                                     0.27
<YIELD-ACTUAL>                                    2.58
<LOANS-NON>                                        202
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    338
<ALLOWANCE-OPEN>                                   800
<CHARGE-OFFS>                                       13
<RECOVERIES>                                        14
<ALLOWANCE-CLOSE>                                  861
<ALLOWANCE-DOMESTIC>                               869
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             92