<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-START>                             JUL-01-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                         738,623
<INT-BEARING-DEPOSITS>                       2,664,172
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,372,137
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     86,396,948
<ALLOWANCE>                                    725,000
<TOTAL-ASSETS>                              96,928,942
<DEPOSITS>                                  78,412,184
<SHORT-TERM>                                 2,000,000
<LIABILITIES-OTHER>                          1,374,829
<LONG-TERM>                                  2,604,167
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       946,730
<OTHER-SE>                                  11,591,031
<TOTAL-LIABILITIES-AND-EQUITY>              96,928,942
<INTEREST-LOAN>                              5,933,961
<INTEREST-INVEST>                              198,962
<INTEREST-OTHER>                               178,633
<INTEREST-TOTAL>                             6,311,556
<INTEREST-DEPOSIT>                           2,885,861
<INTEREST-EXPENSE>                           3,126,723
<INTEREST-INCOME-NET>                        3,184,833
<LOAN-LOSSES>                                   52,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,658,412
<INCOME-PRETAX>                                943,404
<INCOME-PRE-EXTRAORDINARY>                     943,404
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   625,304
<EPS-PRIMARY>                                      .64
<EPS-DILUTED>                                      .64
<YIELD-ACTUAL>                                    4.19
<LOANS-NON>                                    431,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               691,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               688,000
<CHARGE-OFFS>                                   15,000
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              725,000
<ALLOWANCE-DOMESTIC>                           725,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0