<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated statement of financial condition and the consolidated statement of
income and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                           6,891
<INT-BEARING-DEPOSITS>                             330
<FED-FUNDS-SOLD>                                15,510
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     43,147
<INVESTMENTS-CARRYING>                          54,921
<INVESTMENTS-MARKET>                            55,027
<LOANS>                                        493,046
<ALLOWANCE>                                      3,763
<TOTAL-ASSETS>                                 628,219
<DEPOSITS>                                     429,004
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              5,377
<LONG-TERM>                                     49,263
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            95
<OTHER-SE>                                     138,335
<TOTAL-LIABILITIES-AND-EQUITY>                 628,219
<INTEREST-LOAN>                                 26,668
<INTEREST-INVEST>                                4,159
<INTEREST-OTHER>                                 1,002
<INTEREST-TOTAL>                                31,829
<INTEREST-DEPOSIT>                              13,451
<INTEREST-EXPENSE>                              15,531
<INTEREST-INCOME-NET>                           16,298
<LOAN-LOSSES>                                      785
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                 16,405
<INCOME-PRETAX>                                  1,284
<INCOME-PRE-EXTRAORDINARY>                         765
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       765
<EPS-PRIMARY>                                      .18
<EPS-DILUTED>                                      .18
<YIELD-ACTUAL>                                    3.83
<LOANS-NON>                                      3,636
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,306
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,533
<CHARGE-OFFS>                                      769
<RECOVERIES>                                       214
<ALLOWANCE-CLOSE>                                3,763
<ALLOWANCE-DOMESTIC>                             2,942
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            821