<ARTICLE>                                            9
<MULTIPLIER>                                   1
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              JUN-30-1997
<PERIOD-START>                                 JUL-01-1996
<PERIOD-END>                                   JUN-30-1997
<CASH>                                            10,760,000   
<INT-BEARING-DEPOSITS>                            15,978,000   
<FED-FUNDS-SOLD>                                           0   
<TRADING-ASSETS>                                           0   
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<LOANS>                                          685,366,000   
<ALLOWANCE>                                        9,295,000   
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<DEPOSITS>                                       600,205,000   
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<LIABILITIES-OTHER>                                9,543,000   
<LONG-TERM>                                                0   
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<INTEREST-TOTAL>                                  66,131,000   
<INTEREST-DEPOSIT>                                27,645,000   
<INTEREST-EXPENSE>                                35,611,000   
<INTEREST-INCOME-NET>                             30,520,000   
<LOAN-LOSSES>                                      2,347,000   
<SECURITIES-GAINS>                                         0   
<EXPENSE-OTHER>                                   28,924,000   
<INCOME-PRETAX>                                    7,988,000   
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<CHANGES>                                                  0   
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<EPS-PRIMARY>                                           0.87 
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<LOANS-NON>                                       12,079,000   
<LOANS-PAST>                                               0   
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<RECOVERIES>                                          70,000   
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