<ARTICLE>                                            9

       
                                            
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              JUN-30-1997
<PERIOD-END>                                   DEC-31-1996
<CASH>                                             15,217
<INT-BEARING-DEPOSITS>                          8,179,630
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                             0
<INVESTMENTS-CARRYING>                         26,318,389
<INVESTMENTS-MARKET>                           26,421,072
<LOANS>                                        18,384,613<F1>
<ALLOWANCE>                                       213,034
<TOTAL-ASSETS>                                 53,526,359
<DEPOSITS>                                     40,288,088
<SHORT-TERM>                                            0
<LIABILITIES-OTHER>                               210,976
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                          112,500
<OTHER-SE>                                     13,125,771
<TOTAL-LIABILITIES-AND-EQUITY>                 53,526,359
<INTEREST-LOAN>                                   378,600
<INTEREST-INVEST>                                 475,940
<INTEREST-OTHER>                                   54,503
<INTEREST-TOTAL>                                  909,043
<INTEREST-DEPOSIT>                                502,095
<INTEREST-EXPENSE>                                502,095
<INTEREST-INCOME-NET>                             406,948
<LOAN-LOSSES>                                           0
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                   366,713
<INCOME-PRETAX>                                    52,947
<INCOME-PRE-EXTRAORDINARY>                         52,947
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                       52,947
<EPS-PRIMARY>                                        0.04
<EPS-DILUTED>                                        0.04
<YIELD-ACTUAL>                                       3.11
<LOANS-NON>                                       238,300
<LOANS-PAST>                                       28,664
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                   266,964
<ALLOWANCE-OPEN>                                  213,034
<CHARGE-OFFS>                                           0
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                       0
<ALLOWANCE-DOMESTIC>                              213,034
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                           213,034
<FN>
<F1> NOT NET OF ALLOWANCE
</FN>