<ARTICLE>                                        9
<MULTIPLIER>                                 1,000  
       
                                          
<PERIOD-TYPE>                                3-MOS
<FISCAL-YEAR-END>                            JUN-30-1997
<PERIOD-END>                                 SEP-30-1996
<CASH>                                        1,598
<INT-BEARING-DEPOSITS>                        1,510
<FED-FUNDS-SOLD>                                150
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                  33,469
<INVESTMENTS-CARRYING>                            0
<INVESTMENTS-MARKET>                              0
<LOANS>                                      41,148
<ALLOWANCE>                                     312
<TOTAL-ASSETS>                               79,708
<DEPOSITS>                                   48,000
<SHORT-TERM>                                 15,946
<LIABILITIES-OTHER>                           1,017
<LONG-TERM>                                       0
<PREFERRED-MANDATORY>                             0
<PREFERRED>                                       0
<COMMON>                                         86
<OTHER-SE>                                   14,659
<TOTAL-LIABILITIES-AND-EQUITY>               79,708
<INTEREST-LOAN>                                 896
<INTEREST-INVEST>                               517
<INTEREST-OTHER>                                 47
<INTEREST-TOTAL>                              1,460
<INTEREST-DEPOSIT>                              580
<INTEREST-EXPENSE>                              786
<INTEREST-INCOME-NET>                           675
<LOAN-LOSSES>                                     5
<SECURITIES-GAINS>                                0
<EXPENSE-OTHER>                                 625
<INCOME-PRETAX>                                  58
<INCOME-PRE-EXTRAORDINARY>                       58
<EXTRAORDINARY>                                   0
<CHANGES>                                         0
<NET-INCOME>                                     35
<EPS-PRIMARY>                                  0.04
<EPS-DILUTED>                                  0.04
<YIELD-ACTUAL>                                 3.66
<LOANS-NON>                                     196
<LOANS-PAST>                                      0
<LOANS-TROUBLED>                                  0
<LOANS-PROBLEM>                                 364
<ALLOWANCE-OPEN>                                309
<CHARGE-OFFS>                                     3
<RECOVERIES>                                      1
<ALLOWANCE-CLOSE>                               312
<ALLOWANCE-DOMESTIC>                            312
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                           0