<ARTICLE> 9
<RESTATED>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               JUN-30-1999
<CASH>                                          14,671
<INT-BEARING-DEPOSITS>                           2,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    102,606
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        516,048
<ALLOWANCE>                                     11,991
<TOTAL-ASSETS>                                 658,622
<DEPOSITS>                                     510,730
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             17,721
<LONG-TERM>                                     81,613
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        15,175
<OTHER-SE>                                      33,383
<TOTAL-LIABILITIES-AND-EQUITY>                 658,622
<INTEREST-LOAN>                                 40,616
<INTEREST-INVEST>                                5,503
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                46,119
<INTEREST-DEPOSIT>                              20,353
<INTEREST-EXPENSE>                              24,658
<INTEREST-INCOME-NET>                           21,461
<LOAN-LOSSES>                                   12,120
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                 26,415
<INCOME-PRETAX>                                  1,975
<INCOME-PRE-EXTRAORDINARY>                       1,975
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,051
<EPS-BASIC>                                       0.25
<EPS-DILUTED>                                     0.24
<YIELD-ACTUAL>                                    8.26
<LOANS-NON>                                      1,045
<LOANS-PAST>                                     1,648
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,199
<CHARGE-OFFS>                                    8,716
<RECOVERIES>                                       924
<ALLOWANCE-CLOSE>                               11,991<F1>
<ALLOWANCE-DOMESTIC>                            11,991
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1> INCLUDES $464 DUE TO ADDITIONS FROM ACQUISITIONS.
</FN>