WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  


<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-START>                             JUL-01-1996
<PERIOD-END>                               SEP-30-1996
<EXCHANGE-RATE>                                      1
<CASH>                                             605
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,292
<INVESTMENTS-CARRYING>                             253
<INVESTMENTS-MARKET>                               253
<LOANS>                                         69,371
<ALLOWANCE>                                        195
<TOTAL-ASSETS>                                  83,799
<DEPOSITS>                                      71,906
<SHORT-TERM>                                     6,000
<LIABILITIES-OTHER>                              1,508
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           510
<OTHER-SE>                                       3,875
<TOTAL-LIABILITIES-AND-EQUITY>                  83,799
<INTEREST-LOAN>                                  1,319
<INTEREST-INVEST>                                  187
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 1,506
<INTEREST-DEPOSIT>                                 913
<INTEREST-EXPENSE>                                 913
<INTEREST-INCOME-NET>                              593
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,017
<INCOME-PRETAX>                                  (319)
<INCOME-PRE-EXTRAORDINARY>                       (222)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (222)
<EPS-PRIMARY>                                   (0.44)
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    2.99
<LOANS-NON>                                        433
<LOANS-PAST>                                        17
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   180
<CHARGE-OFFS>                                       17
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                  195
<ALLOWANCE-DOMESTIC>                              0.28
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0