<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
<CURRENCY>                                     US DOLLARS

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                           JUN-30-1999
<PERIOD-END>                                JUN-30-1999
<EXCHANGE-RATE>                                       1
<CASH>                                            8,886
<INT-BEARING-DEPOSITS>                              358
<FED-FUNDS-SOLD>                                  1,870
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      44,742
<INVESTMENTS-CARRYING>                           54,455
<INVESTMENTS-MARKET>                             53,721
<LOANS>                                         524,779
<ALLOWANCE>                                       4,025
<TOTAL-ASSETS>                                  650,470
<DEPOSITS>                                      446,123
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                               5,085
<LONG-TERM>                                      49,045
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                             95
<OTHER-SE>                                      139,335
<TOTAL-LIABILITIES-AND-EQUITY>                  650,470
<INTEREST-LOAN>                                  36,256
<INTEREST-INVEST>                                 5,575
<INTEREST-OTHER>                                  1,207
<INTEREST-TOTAL>                                 43,038
<INTEREST-DEPOSIT>                               17,516
<INTEREST-EXPENSE>                               20,334
<INTEREST-INCOME-NET>                            22,704
<LOAN-LOSSES>                                     1,235
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                  20,443
<INCOME-PRETAX>                                   3,942
<INCOME-PRE-EXTRAORDINARY>                        2,431
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      2,431
<EPS-BASIC>                                       .37
<EPS-DILUTED>                                       .37
<YIELD-ACTUAL>                                     3.92
<LOANS-NON>                                       4,321
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                    672
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  3,533
<CHARGE-OFFS>                                       994
<RECOVERIES>                                         65
<ALLOWANCE-CLOSE>                                 4,025
<ALLOWANCE-DOMESTIC>                              2,782
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                           1,243