<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                        
<PERIOD-TYPE>                              6-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               DEC-31-1998
<CASH>                                          11,772
<INT-BEARING-DEPOSITS>                             439
<FED-FUNDS-SOLD>                               135,440
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     36,104
<INVESTMENTS-CARRYING>                          49,765
<INVESTMENTS-MARKET>                            50,091
<LOANS>                                        470,295
<ALLOWANCE>                                      3,695
<TOTAL-ASSETS>                                 718,628
<DEPOSITS>                                     520,543
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             11,891
<LONG-TERM>                                     49,478
<COMMON>                                            95
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     136,621
<TOTAL-LIABILITIES-AND-EQUITY>                 718,628
<INTEREST-LOAN>                                 17,390
<INTEREST-INVEST>                                2,814
<INTEREST-OTHER>                                   468
<INTEREST-TOTAL>                                20,672
<INTEREST-DEPOSIT>                               9,386
<INTEREST-EXPENSE>                              10,745
<INTEREST-INCOME-NET>                            9,927
<LOAN-LOSSES>                                      360
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                 12,421
<INCOME-PRETAX>                                 (1,379)
<INCOME-PRE-EXTRAORDINARY>                        (855)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      (855)
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    3.61
<LOANS-NON>                                      3,803
<LOANS-PAST>                                         3
<LOANS-TROUBLED>                                 1,335
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,533
<CHARGE-OFFS>                                      350
<RECOVERIES>                                       152
<ALLOWANCE-CLOSE>                                3,695
<ALLOWANCE-DOMESTIC>                             3,102
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            593