<ARTICLE>                                            9
                  
       
                                                           
<PERIOD-TYPE>                                  9-MOS             12-MOS
<FISCAL-YEAR-END>                              JUN-30-1997       JUN-30-1996
<PERIOD-END>                                   MAR-31-1997       JUN-30-1996
<CASH>                                            390,902           221,364
<INT-BEARING-DEPOSITS>                          1,201,875           984,667
<FED-FUNDS-SOLD>                                        0                 0
<TRADING-ASSETS>                                        0                 0
<INVESTMENTS-HELD-FOR-SALE>                     2,757,816         3,317,811
<INVESTMENTS-CARRYING>                         12,988,802        10,892,081
<INVESTMENTS-MARKET>                           12,828,035        10,782,060
<LOANS>                                        14,326,054        13,704,418
<ALLOWANCE>                                       200,596            75,694
<TOTAL-ASSETS>                                 33,138,568        30,581,882
<DEPOSITS>                                     27,859,505        28,156,791
<SHORT-TERM>                                    2,000,000                 0
<LIABILITIES-OTHER>                               278,227           337,934
<LONG-TERM>                                     1,000,000                 0
<PREFERRED-MANDATORY>                                   0                 0
<PREFERRED>                                             0                 0
<COMMON>                                                0                 0
<OTHER-SE>                                              0                 0
<TOTAL-LIABILITIES-AND-EQUITY>                 33,138,568        30,581,882
<INTEREST-LOAN>                                   861,065         1,122,699
<INTEREST-INVEST>                                 746,877           781,105
<INTEREST-OTHER>                                   67,389           149,012
<INTEREST-TOTAL>                                1,675,331         2,052,016
<INTEREST-DEPOSIT>                                935,206         1,256,267
<INTEREST-EXPENSE>                                990,252         1,256,267
<INTEREST-INCOME-NET>                             685,079           796,549
<LOAN-LOSSES>                                     127,844            35,142
<SECURITIES-GAINS>                                 (1,608)              969
<EXPENSE-OTHER>                                   798,272           804,476
<INCOME-PRETAX>                                  (175,981)           38,816
<INCOME-PRE-EXTRAORDINARY>                       (175,981)           38,816
<EXTRAORDINARY>                                         0                 0
<CHANGES>                                               0                 0
<NET-INCOME>                                      (90,155)           30,842
<EPS-PRIMARY>                                           0                 0
<EPS-DILUTED>                                           0                 0
<YIELD-ACTUAL>                                       3.02              2.82
<LOANS-NON>                                       775,844           727,567
<LOANS-PAST>                                      775,844           727,567
<LOANS-TROUBLED>                                        0                 0
<LOANS-PROBLEM>                                         0                 0
<ALLOWANCE-OPEN>                                   75,694            89,010
<CHARGE-OFFS>                                       2,942            53,800
<RECOVERIES>                                            0             5,342
<ALLOWANCE-CLOSE>                                 200,596            75,694
<ALLOWANCE-DOMESTIC>                                    0                 0
<ALLOWANCE-FOREIGN>                                     0                 0
<ALLOWANCE-UNALLOCATED>                                 0                 0