<ARTICLE>       9
<LEGEND>
This schedule contains summary financial information extracted from 
the Consolidated Balance Sheet and the Consolidated Statement of 
Income filed as part of the quarterly report on Form 10-Q and is 
qualified in its entirety by reference to such quarterly report on 
Form 10-Q.
</LEGEND>
<MULTIPLIER>    1,000
       

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>               JUN-30-1997
<PERIOD-END>                    DEC-31-1996
<CASH>                                5,941
<INT-BEARING-DEPOSITS>               10,137
<FED-FUNDS-SOLD>                          0
<TRADING-ASSETS>                          0
<INVESTMENTS-HELD-FOR-SALE>           6,072
<INVESTMENTS-CARRYING>               49,428
<INVESTMENTS-MARKET>                 49,445
<LOANS>                             565,377
<ALLOWANCE>                          15,059
<TOTAL-ASSETS>                      669,482
<DEPOSITS>                          379,488
<SHORT-TERM>                        188,512
<LIABILITIES-OTHER>                   5,127
<LONG-TERM>                          36,186
<PREFERRED-MANDATORY>                     0
<PREFERRED>                               0
<COMMON>                                123
<OTHER-SE>                           60,047
<TOTAL-LIABILITIES-AND-EQUITY>      669,482
<INTEREST-LOAN>                      25,315
<INTEREST-INVEST>                     1,995
<INTEREST-OTHER>                        133
<INTEREST-TOTAL>                     27,443
<INTEREST-DEPOSIT>                    8,242
<INTEREST-EXPENSE>                   14,117
<INTEREST-INCOME-NET>                13,326
<LOAN-LOSSES>                           859
<SECURITIES-GAINS>                      144
<EXPENSE-OTHER>                      11,770
<INCOME-PRETAX>                       5,988
<INCOME-PRE-EXTRAORDINARY>            5,988
<EXTRAORDINARY>                           0
<CHANGES>                                 0
<NET-INCOME>                          3,401
<EPS-PRIMARY>                           .38
<EPS-DILUTED>                           .38
<YIELD-ACTUAL>                         4.19
<LOANS-NON>                           6,747
<LOANS-PAST>                              0
<LOANS-TROUBLED>                          0
<LOANS-PROBLEM>                      12,624
<ALLOWANCE-OPEN>                     14,356
<CHARGE-OFFS>                           206
<RECOVERIES>                             50
<ALLOWANCE-CLOSE>                    15,059
<ALLOWANCE-DOMESTIC>                 15,059
<ALLOWANCE-FOREIGN>                       0
<ALLOWANCE-UNALLOCATED>                   0