<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
quarterly report on Form 10-QSB for the fiscal quarter ended September 30, 1997
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          $8,845
<INT-BEARING-DEPOSITS>                           2,074
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      3,241
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         68,605
<ALLOWANCE>                                        227
<TOTAL-ASSETS>                                  88,608
<DEPOSITS>                                      53,147
<SHORT-TERM>                                    11,000
<LIABILITIES-OTHER>                                816
<LONG-TERM>                                      8,000
<PREFERRED-MANDATORY>                                9
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      15,635
<TOTAL-LIABILITIES-AND-EQUITY>                  88,608
<INTEREST-LOAN>                                  2,988
<INTEREST-INVEST>                                  281
<INTEREST-OTHER>                                   137
<INTEREST-TOTAL>                                 3,406
<INTEREST-DEPOSIT>                               1,419
<INTEREST-EXPENSE>                                 582
<INTEREST-INCOME-NET>                            1,405
<LOAN-LOSSES>                                       12
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    903
<INCOME-PRETAX>                                    751
<INCOME-PRE-EXTRAORDINARY>                         751
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       497
<EPS-PRIMARY>                                      .33
<EPS-DILUTED>                                      .32
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                      1,296
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   227
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  227
<ALLOWANCE-DOMESTIC>                               227
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            227