<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1996
<PERIOD-START>                             JUL-01-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                         256,370
<INT-BEARING-DEPOSITS>                       1,416,191
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  7,475,602
<INVESTMENTS-CARRYING>                       8,559,740
<INVESTMENTS-MARKET>                         8,296,542
<LOANS>                                     33,385,229
<ALLOWANCE>                                    304,525
<TOTAL-ASSETS>                              53,494,048
<DEPOSITS>                                  31,569,576
<SHORT-TERM>                                 6,500,000
<LIABILITIES-OTHER>                            876,483
<LONG-TERM>                                  9,600,198
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,361
<OTHER-SE>                                   4,945,430
<TOTAL-LIABILITIES-AND-EQUITY>              53,494,048
<INTEREST-LOAN>                              2,129,905
<INTEREST-INVEST>                              768,280
<INTEREST-OTHER>                               199,780
<INTEREST-TOTAL>                             3,097,965
<INTEREST-DEPOSIT>                           1,028,084
<INTEREST-EXPENSE>                           1,888,051
<INTEREST-INCOME-NET>                        1,209,914
<LOAN-LOSSES>                                   88,683
<SECURITIES-GAINS>                              12,614
<EXPENSE-OTHER>                              1,119,942
<INCOME-PRETAX>                                223,617
<INCOME-PRE-EXTRAORDINARY>                     223,617
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   102,617
<EPS-PRIMARY>                                      .51
<EPS-DILUTED>                                      .51
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                    164,066
<LOANS-PAST>                                   164,066
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               263,249
<CHARGE-OFFS>                                   47,407
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              304,525
<ALLOWANCE-DOMESTIC>                           304,525
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        229,725