<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10 QSB FOR THE FISCAL QUARTER ENDED SEPTEMBER 30, 1996
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           2,899
<INT-BEARING-DEPOSITS>                           4,438
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,365
<INVESTMENTS-CARRYING>                           2,365
<INVESTMENTS-MARKET>                             2,365
<LOANS>                                         66,551
<ALLOWANCE>                                        246
<TOTAL-ASSETS>                                  81,059
<DEPOSITS>                                      46,417
<SHORT-TERM>                                    17,000
<LIABILITIES-OTHER>                              1,062
<LONG-TERM>                                      2,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             9
<OTHER-SE>                                      14,574
<TOTAL-LIABILITIES-AND-EQUITY>                  81,059
<INTEREST-LOAN>                                  1,394
<INTEREST-INVEST>                                  129
<INTEREST-OTHER>                                    26
<INTEREST-TOTAL>                                 1,549
<INTEREST-DEPOSIT>                                 605
<INTEREST-EXPENSE>                                 838
<INTEREST-INCOME-NET>                              711
<LOAN-LOSSES>                                        6
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    736
<INCOME-PRETAX>                                    103
<INCOME-PRE-EXTRAORDINARY>                         103
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        67
<EPS-PRIMARY>                                      .09
<EPS-DILUTED>                                      .09
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        352
<LOANS-PAST>                                       678
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   240
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  246
<ALLOWANCE-DOMESTIC>                               246
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            246