<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> JUN-30-2000 <PERIOD-END> JUN-30-2000 <CASH> 4,918 <INT-BEARING-DEPOSITS> 8,164 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 12,838 <INVESTMENTS-HELD-FOR-SALE> 92,468 <INVESTMENTS-CARRYING> 39,821 <INVESTMENTS-MARKET> 39,020 <LOANS> 331,306 <ALLOWANCE> 3,908 <TOTAL-ASSETS> 507,150 <DEPOSITS> 378,478 <SHORT-TERM> 46,948 <LIABILITIES-OTHER> 6,019 <LONG-TERM> 40,203 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,912 <OTHER-SE> 31,590 <TOTAL-LIABILITIES-AND-EQUITY> 507,150 <INTEREST-LOAN> 24,581 <INTEREST-INVEST> 6,314 <INTEREST-OTHER> 153 <INTEREST-TOTAL> 33,837 <INTEREST-DEPOSIT> 13,700 <INTEREST-EXPENSE> 18,975 <INTEREST-INCOME-NET> 14,862 <LOAN-LOSSES> 420 <SECURITIES-GAINS> 70 <EXPENSE-OTHER> 14,164 <INCOME-PRETAX> 5,814 <INCOME-PRE-EXTRAORDINARY> 5,814 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,557 <EPS-BASIC> 1.17 <EPS-DILUTED> 1.16 <YIELD-ACTUAL> 3.49 <LOANS-NON> 942 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,489 <ALLOWANCE-OPEN> 3,651 <CHARGE-OFFS> 171 <RECOVERIES> 8 <ALLOWANCE-CLOSE> 3,908 <ALLOWANCE-DOMESTIC> 1,866 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,042