<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
STATEMENT OF CONDITION AND THE STATEMENT OF OPERATION FOR THE PERIOD ENDED
SEPTEMBER 30, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-START>                             JUL-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           3,815
<INT-BEARING-DEPOSITS>                             584
<FED-FUNDS-SOLD>                                 4,375
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           8,996
<INVESTMENTS-MARKET>                             8,963
<LOANS>                                        355,742
<ALLOWANCE>                                      2,586
<TOTAL-ASSETS>                                 383,278
<DEPOSITS>                                     314,779
<SHORT-TERM>                                    14,500
<LIABILITIES-OTHER>                              8,066
<LONG-TERM>                                     18,396
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            26
<OTHER-SE>                                      27,511
<TOTAL-LIABILITIES-AND-EQUITY>                 383,278
<INTEREST-LOAN>                                  7,884
<INTEREST-INVEST>                                  312
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 8,196
<INTEREST-DEPOSIT>                               4,161
<INTEREST-EXPENSE>                               4,683
<INTEREST-INCOME-NET>                            3,513
<LOAN-LOSSES>                                       45
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,006
<INCOME-PRETAX>                                  1,887
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,261
<EPS-PRIMARY>                                     0.46
<EPS-DILUTED>                                     0.46
<YIELD-ACTUAL>                                   3.460
<LOANS-NON>                                      2,988
<LOANS-PAST>                                       145
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,675
<CHARGE-OFFS>                                      134
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                2,586
<ALLOWANCE-DOMESTIC>                             2,586
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,533