<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 YEAR 9-MOS 6-MOS
<FISCAL-YEAR-END> JUN-30-1997 JUN-30-1996 JUN-30-1996 JUN-30-1996
<PERIOD-START> JUL-01-1996 JUL-01-1995 JUL-01-1995 JUL-01-1995
<PERIOD-END> SEP-30-1996 JUN-30-1996 MAR-31-1996 DEC-31-1995
<CASH> 3,791 6,670 4,135 6,699
<INT-BEARING-DEPOSITS> 2,008 245 162 538
<FED-FUNDS-SOLD> 1,375 6,875 4,275 17,275
<TRADING-ASSETS> 0 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 11,468 18,817 7,774 0
<INVESTMENTS-CARRYING> 13,994 14,094 9,803 9,281
<INVESTMENTS-MARKET> 13,824 13,894 9,803 9,296
<LOANS> 305,427 289,522 285,282 271,165
<ALLOWANCE> 2,515 2,565 2,620 2,665
<TOTAL-ASSETS> 345,279 331,634 318,100 312,466
<DEPOSITS> 271,841 271,045 270,638 281,238
<SHORT-TERM> 20,000 16,000 6,000 0
<LIABILITIES-OTHER> 6,902 7,924 5,828 7,715
<LONG-TERM> 24,073 14,192 14,310 3,000
<PREFERRED-MANDATORY> 0 0 0 0
<PREFERRED> 0 0 0 0
<COMMON> 23 23 15 15
<OTHER-SE> 22,440 22,451 21,310 20,497
<TOTAL-LIABILITIES-AND-EQUITY> 345,279 331,634 318,100 312,466
<INTEREST-LOAN> 7,031 25,572 18,799 12,348
<INTEREST-INVEST> 505 2,189 1,745 1,426
<INTEREST-OTHER> 0 0 0 0
<INTEREST-TOTAL> 7,536 27,761 20,544 13,774
<INTEREST-DEPOSIT> 3,456 14,889 11,496 7,810
<INTEREST-EXPENSE> 4,015 15,703 11,911 8,100
<INTEREST-INCOME-NET> 3,521 12,058 8,634 5,674
<LOAN-LOSSES> 0 417 417 394
<SECURITIES-GAINS> 0 75 0 0
<EXPENSE-OTHER> 3,756 7,988 5,706 3,776
<INCOME-PRETAX> (1) 5,400 3,797 2,406
<INCOME-PRE-EXTRAORDINARY> 0 5,400 3,797 2,406
<EXTRAORDINARY> 0 0 0 0
<CHANGES> 0 0 0 0
<NET-INCOME> (11) 3,786 2,603 1,671
<EPS-PRIMARY> $0.00 1.48 1.02 0.65
<EPS-DILUTED> $0.00 1.40 0.96 0.62
<YIELD-ACTUAL> 3.998 3.45 3.723 3.698
<LOANS-NON> 1,917 2,352 3,785 3,839
<LOANS-PAST> 419 95 0 0
<LOANS-TROUBLED> 0 0 0 0
<LOANS-PROBLEM> 383 386 497 166
<ALLOWANCE-OPEN> 2,617 2,402 2,665 2,381
<CHARGE-OFFS> 104 265 138 90
<RECOVERIES> 2 11 1 0
<ALLOWANCE-CLOSE> 2,515 2,565 2,620 2,665
<ALLOWANCE-DOMESTIC> 2,515 2,565 2,620 2,665
<ALLOWANCE-FOREIGN> 0 0 0 0
<ALLOWANCE-UNALLOCATED> 2,427 2,228 2,381 2,252