<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-QSB FOR THE QUARTER ENDED SEPTEMBER 30, 1997 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-START>                             JUL-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                         371,803
<INT-BEARING-DEPOSITS>                       4,061,752
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  8,108,313
<INVESTMENTS-CARRYING>                       7,862,987
<INVESTMENTS-MARKET>                         7,711,932
<LOANS>                                     36,572,993
<ALLOWANCE>                                    254,300
<TOTAL-ASSETS>                              59,324,459
<DEPOSITS>                                  33,872,182
<SHORT-TERM>                                 7,000,000
<LIABILITIES-OTHER>                            861,508
<LONG-TERM>                                 12,288,486
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,361
<OTHER-SE>                                   5,299,922
<TOTAL-LIABILITIES-AND-EQUITY>              59,324,459
<INTEREST-LOAN>                                820,152
<INTEREST-INVEST>                              230,610
<INTEREST-OTHER>                                65,765
<INTEREST-TOTAL>                             1,116,527
<INTEREST-DEPOSIT>                             369,546
<INTEREST-EXPENSE>                             656,272
<INTEREST-INCOME-NET>                          460,255
<LOAN-LOSSES>                                   28,104
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                365,641
<INCOME-PRETAX>                                143,247
<INCOME-PRE-EXTRAORDINARY>                     143,247
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    88,247
<EPS-PRIMARY>                                      .45
<EPS-DILUTED>                                      .45
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                    178,086
<LOANS-PAST>                                   178,086
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               262,800
<CHARGE-OFFS>                                   39,250
<RECOVERIES>                                     2,646
<ALLOWANCE-CLOSE>                              254,300
<ALLOWANCE-DOMESTIC>                           254,300
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        177,500