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<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               MAR-31-1999
<CASH>                                       234,901
<INT-BEARING-DEPOSITS>                       378,601
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<INTEREST-INCOME-NET>                        797,770
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