<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
STATEMENT OF CONDITION AND THE STATEMENT OF OPERATION AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<PERIOD-TYPE> 3-MOS 6-MOS 9-MOS 12-MOS
<FISCAL-YEAR-END> JUN-30-1998 JUN-30-1997 JUN-30-1997 JUN-30-1997
<PERIOD-START> JUL-01-1997 JUL-01-1996 JUL-01-1996 JUL-01-1996
<PERIOD-END> SEP-30-1997 DEC-31-1996 MAR-31-1997 JUN-30-1997
<CASH> 3,815 3,311 2,295 7,760
<INT-BEARING-DEPOSITS> 584 759 243 445
<FED-FUNDS-SOLD> 4,375 1,875 2,375 1,375
<TRADING-ASSETS> 0 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 0 0 0 0
<INVESTMENTS-CARRYING> 8,996 13,994 13,995 13,995
<INVESTMENTS-MARKET> 8,963 13,909 13,774 13,899
<LOANS> 355,742 320,817 330,179 342,112
<ALLOWANCE> 2,586 2,517 2,636 2,675
<TOTAL-ASSETS> 383,278 347,577 356,251 373,081
<DEPOSITS> 314,779 278,156 273,553 288,270
<SHORT-TERM> 14,500 13,500 32,500 31,000
<LIABILITIES-OTHER> 8,066 8,170 6,344 8,823
<LONG-TERM> 18,396 23,954 18,835 18,715
<PREFERRED-MANDATORY> 0 0 0 0
<PREFERRED> 0 0 0 0
<COMMON> 26 23 23 26
<OTHER-SE> 27,511 23,774 24,996 26,247
<TOTAL-LIABILITIES-AND-EQUITY> 383,278 347,577 356,251 373,081
<INTEREST-LOAN> 7,884 14,303 21,991 29,704
<INTEREST-INVEST> 312 895 941 1,259
<INTEREST-OTHER> 0 0 0 0
<INTEREST-TOTAL> 8,196 15,198 22,932 30,963
<INTEREST-DEPOSIT> 4,161 6,986 10,459 13,958
<INTEREST-EXPENSE> 4,683 8,114 12,249 16,561
<INTEREST-INCOME-NET> 3,513 7,084 10,683 14,402
<LOAN-LOSSES> 45 0 107 187
<SECURITIES-GAINS> 0 0 0 0
<EXPENSE-OTHER> 2,006 5,824 7,920 10,000
<INCOME-PRETAX> 1,687 1,789 3,649 5,550
<INCOME-PRE-EXTRAORDINARY> 0 0 3,649 0
<EXTRAORDINARY> 0 0 0 0
<CHANGES> 0 0 0 0
<NET-INCOME> 1,261 1,170 2,392 3,647
<EPS-PRIMARY> 0.49 $0.46 0.94 1.43
<EPS-DILUTED> 0.46 $0.43 0.88 1.33
<YIELD-ACTUAL> 3.460 3.890 3.700 3.840
<LOANS-NON> 2,988 1,836 3,159 4,137
<LOANS-PAST> 145 800 1,071 476
<LOANS-TROUBLED> 0 0 0 0
<LOANS-PROBLEM> 0 255 918 918
<ALLOWANCE-OPEN> 2,675 2,515 2,670 2,565
<CHARGE-OFFS> 134 0 153 198
<RECOVERIES> 0 10 12 121
<ALLOWANCE-CLOSE> 2,586 2,525 2,636 2,675
<ALLOWANCE-DOMESTIC> 2,586 2,525 2,636 2,675
<ALLOWANCE-FOREIGN> 0 0 0 0
<ALLOWANCE-UNALLOCATED> 2,533 2,433 2,496 2,598