<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> JUN-30-2000 <PERIOD-END> DEC-31-1999 <CASH> 23,670 <INT-BEARING-DEPOSITS> 125 <FED-FUNDS-SOLD> 2,130 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 42,364 <INVESTMENTS-CARRYING> 56,233 <INVESTMENTS-MARKET> 54,964 <LOANS> 571,566 <ALLOWANCE> 4,473 <TOTAL-ASSETS> 708,884 <DEPOSITS> 476,205 <SHORT-TERM> 40,000 <LIABILITIES-OTHER> 5,938 <LONG-TERM> 48,600 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 95 <OTHER-SE> 129,915 <TOTAL-LIABILITIES-AND-EQUITY> 708,884 <INTEREST-LOAN> 20,929 <INTEREST-INVEST> 3,041 <INTEREST-OTHER> 56 <INTEREST-TOTAL> 24,026 <INTEREST-DEPOSIT> 8,348 <INTEREST-EXPENSE> 10,623 <INTEREST-INCOME-NET> 13,403 <LOAN-LOSSES> 950 <SECURITIES-GAINS> (1) <EXPENSE-OTHER> 8,710 <INCOME-PRETAX> 4,307 <INCOME-PRE-EXTRAORDINARY> 1,572 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,735 <EPS-BASIC> .32 <EPS-DILUTED> .32 <YIELD-ACTUAL> 4.07 <LOANS-NON> 3,729 <LOANS-PAST> 0 <LOANS-TROUBLED> 631 <LOANS-PROBLEM> 72 <ALLOWANCE-OPEN> 4,025 <CHARGE-OFFS> 554 <RECOVERIES> 52 <ALLOWANCE-CLOSE> 4,473 <ALLOWANCE-DOMESTIC> 3,005 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,468