<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>                                  1,447               49
<INT-BEARING-DEPOSITS>                  3,188            4,740
<FED-FUNDS-SOLD>                          150              125
<TRADING-ASSETS>                            0                0
<INVESTMENTS-HELD-FOR-SALE>            26,904           13,336
<INVESTMENTS-CARRYING>                      0            1,080
<INVESTMENTS-MARKET>                        0            1,082
<LOANS>                                35,170           32,339
<ALLOWANCE>                               311              317
<TOTAL-ASSETS>                         70,422           52,905
<DEPOSITS>                             43,256           36,603
<SHORT-TERM>                           10,000                0
<LIABILITIES-OTHER>                       950              548
<LONG-TERM>                                 0                0
<PREFERRED-MANDATORY>                       0                0
<PREFERRED>                                 0                0
<COMMON>                                   95               95
<OTHER-SE>                             16,122           15,660
<TOTAL-LIABILITIES-AND-EQUITY>         70,422           52,905
<INTEREST-LOAN>                         2,347            2,839
<INTEREST-INVEST>                       1,098              648
<INTEREST-OTHER>                          133               78
<INTEREST-TOTAL>                        3,577            3,565
<INTEREST-DEPOSIT>                      1,516            1,658
<INTEREST-EXPENSE>                      1,705            1,664
<INTEREST-INCOME-NET>                   1,872            1,901
<LOAN-LOSSES>                              28              101
<SECURITIES-GAINS>                          0                0
<EXPENSE-OTHER>                           908              964
<INCOME-PRETAX>                           960              845
<INCOME-PRE-EXTRAORDINARY>                960              845
<EXTRAORDINARY>                             0                0
<CHANGES>                                   0                0 
<NET-INCOME>                              600              506  
<EPS-PRIMARY>                            0.67             0.57
<EPS-DILUTED>                            0.67             0.57
<YIELD-ACTUAL>                           4.23             4.32
<LOANS-NON>                               124                0
<LOANS-PAST>                                0               76
<LOANS-TROUBLED>                            0                0
<LOANS-PROBLEM>                           482              428
<ALLOWANCE-OPEN>                          317              216
<CHARGE-OFFS>                              31                1
<RECOVERIES>                                0                0  
<ALLOWANCE-CLOSE>                         311              317
<ALLOWANCE-DOMESTIC>                      311              317
<ALLOWANCE-FOREIGN>                         0                0
<ALLOWANCE-UNALLOCATED>                     0                0