<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> JUN-30-1997 <PERIOD-START> JUL-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 339 <INT-BEARING-DEPOSITS> 3,560 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 25,677 <INVESTMENTS-CARRYING> 3,759 <INVESTMENTS-MARKET> 3,759 <LOANS> 76,076 <ALLOWANCE> 820 <TOTAL-ASSETS> 112,449 <DEPOSITS> 89,254 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,307 <LONG-TERM> 3,376 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,023 <OTHER-SE> 9,489 <TOTAL-LIABILITIES-AND-EQUITY> 112,449 <INTEREST-LOAN> 1,568 <INTEREST-INVEST> 527 <INTEREST-OTHER> 69 <INTEREST-TOTAL> 2,164 <INTEREST-DEPOSIT> 1,194 <INTEREST-EXPENSE> 1,249 <INTEREST-INCOME-NET> 915 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 612 <INCOME-PRETAX> 368 <INCOME-PRE-EXTRAORDINARY> 368 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 246 <EPS-PRIMARY> .15 <EPS-DILUTED> .15 <YIELD-ACTUAL> 3.33 <LOANS-NON> 1,010 <LOANS-PAST> 73 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 820 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 820 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 820