<ARTICLE> 9
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<PERIOD-TYPE>                   6-MOS                   3-MOS                   12-MOS
<FISCAL-YEAR-END>                          MAY-30-1997             JUN-30-1997             JUN-30-1996
<PERIOD-START>                             JUL-01-1996             JUL-01-1996             JUL-01-1995
<PERIOD-END>                               DEC-31-1996             SEP-30-1996             JUN-30-1996
<CASH>                                          22,157                  17,862                   6,426
<INT-BEARING-DEPOSITS>                             329                     518                   1,672
<FED-FUNDS-SOLD>                                77,910                  11,393                  92,535
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                    219,012                 279,702                 273,430
<INVESTMENTS-CARRYING>                         189,783                 203,615                 193,928
<INVESTMENTS-MARKET>                           186,810                 198,744                 186,363
<LOANS>                                        453,547                 438,573                 228,229
<ALLOWANCE>                                      6,589                   7,006                   3,068
<TOTAL-ASSETS>                               1,012,799               1,004,374                 826,916
<DEPOSITS>                                     846,117                 836,132                 669,725
<SHORT-TERM>                                         0                       0                       0
<LIABILITIES-OTHER>                             15,481                  18,433                   6,120
<LONG-TERM>                                     70,000                  70,000                  70,000
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0                       
<COMMON>                                            66                      66                      66
<OTHER-SE>                                      81,135                  79,743                  81,005
<TOTAL-LIABILITIES-AND-EQUITY>               1,012,799               1,004,374                 826,916
<INTEREST-LOAN>                                 14,088                   5,009                  17,648
<INTEREST-INVEST>                               18,205                   6,999                  32,707
<INTEREST-OTHER>                                     0                       0                       0
<INTEREST-TOTAL>                                32,293                  14,399                  50,355
<INTEREST-DEPOSIT>                              18,127                   8,138                  23,781
<INTEREST-EXPENSE>                              21,513                   9,833                  34,059
<INTEREST-INCOME-NET>                           10,780                   4,566                  16,296
<LOAN-LOSSES>                                      208                     179                   1,054
<SECURITIES-GAINS>                               1,030                     365                       0
<EXPENSE-OTHER>                                 14,265                   8,775                  12,931
<INCOME-PRETAX>                                (2,771)                 (3,969)                   3,076
<INCOME-PRE-EXTRAORDINARY>                     (1,637)                 (2,339)                   1,947
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                   (1,637)                 (2,339)                   1,947
<EPS-PRIMARY>                                   (0.26)                  (0.37)                    0.31
<EPS-DILUTED>                                   (0.26)                  (0.37)                    0.31
<YIELD-ACTUAL>                                    2.49                    2.31                    2.37
<LOANS-NON>                                      5,519                   4,947                   1,301
<LOANS-PAST>                                         0                       0                       0
<LOANS-TROUBLED>                                 1,223                     842                     714
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<ALLOWANCE-OPEN>                                 3,068                   3,068                   2,694
<CHARGE-OFFS>                                      529                      97                     680
<RECOVERIES>                                         0                       0                       0
<ALLOWANCE-CLOSE>                                5,710                   6,113                   3,068
<ALLOWANCE-DOMESTIC>                             5,710                   6,113                   3,068
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                          4,347                   4,503                   1,843