<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-QSB FOR THE NINE MONTHS ENDED MARCH 31, 1997 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-START>                             JUL-01-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                       5,343,167
<INT-BEARING-DEPOSITS>                       7,928,656
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                               680,188
<INVESTMENTS-HELD-FOR-SALE>                 69,542,017
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    296,943,886
<ALLOWANCE>                                (2,825,867)
<TOTAL-ASSETS>                             397,779,910
<DEPOSITS>                                 291,609,268
<SHORT-TERM>                                39,890,961
<LIABILITIES-OTHER>                          4,993,370
<LONG-TERM>                                 27,500,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        21,240
<OTHER-SE>                                  33,765,071
<TOTAL-LIABILITIES-AND-EQUITY>             397,779,910
<INTEREST-LOAN>                             18,799,164
<INTEREST-INVEST>                            2,567,481
<INTEREST-OTHER>                               587,206
<INTEREST-TOTAL>                            21,953,851
<INTEREST-DEPOSIT>                          10,919,355
<INTEREST-EXPENSE>                          14,109,712
<INTEREST-INCOME-NET>                        7,844,139
<LOAN-LOSSES>                                1,048,000
<SECURITIES-GAINS>                             120,284
<EXPENSE-OTHER>                              8,216,251
<INCOME-PRETAX>                               (43,971)
<INCOME-PRE-EXTRAORDINARY>                    (43,971)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (37,506)
<EPS-PRIMARY>                                   (0.02)
<EPS-DILUTED>                                   (0.02)
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                  1,193,110
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               634,137
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                           (2,670,322)
<CHARGE-OFFS>                                1,047,989
<RECOVERIES>                                 (155,534)
<ALLOWANCE-CLOSE>                          (2,825,867)
<ALLOWANCE-DOMESTIC>                       (2,825,867)
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0