<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB FOR THE FISCAL QUARTER ENDED DECEMBER 31,
1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           3,099
<INT-BEARING-DEPOSITS>                           4,437
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,181
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         68,258
<ALLOWANCE>                                        252
<TOTAL-ASSETS>                                  82,809
<DEPOSITS>                                      48,216
<SHORT-TERM>                                    14,000
<LIABILITIES-OTHER>                                875
<LONG-TERM>                                      5,000
<PREFERRED-MANDATORY>                                9
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      14,709
<TOTAL-LIABILITIES-AND-EQUITY>                  82,809
<INTEREST-LOAN>                                  2,844
<INTEREST-INVEST>                                  251
<INTEREST-OTHER>                                    52
<INTEREST-TOTAL>                                 3,147
<INTEREST-DEPOSIT>                               1,231
<INTEREST-EXPENSE>                                 512
<INTEREST-INCOME-NET>                            1,404
<LOAN-LOSSES>                                       12
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,152
<INCOME-PRETAX>                                    493
<INCOME-PRE-EXTRAORDINARY>                         493
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       322
<EPS-PRIMARY>                                      .42
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        657
<LOANS-PAST>                                       884
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   240
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  252
<ALLOWANCE-DOMESTIC>                               252
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            252