<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> JUN-30-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 1,328 <INT-BEARING-DEPOSITS> 13,809 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 242,897 <INVESTMENTS-HELD-FOR-SALE> 525 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 260,929 <ALLOWANCE> (774) <TOTAL-ASSETS> 538,311 <DEPOSITS> 321,874 <SHORT-TERM> 175,650 <LIABILITIES-OTHER> 6,138 <LONG-TERM> 13,995 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 425 <OTHER-SE> 19,263 <TOTAL-LIABILITIES-AND-EQUITY> 538,311 <INTEREST-LOAN> 11,316 <INTEREST-INVEST> 15,088 <INTEREST-OTHER> (131) <INTEREST-TOTAL> 26,535 <INTEREST-DEPOSIT> 10,031 <INTEREST-EXPENSE> 22,734 <INTEREST-INCOME-NET> 3,801 <LOAN-LOSSES> 414 <SECURITIES-GAINS> (1,046) <EXPENSE-OTHER> 5,664 <INCOME-PRETAX> (3,323) <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (1,999) <EPS-PRIMARY> (0.62) <EPS-DILUTED> (0.62) <YIELD-ACTUAL> 0.88 <LOANS-NON> 211 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> (360) <CHARGE-OFFS> (414) <RECOVERIES> 0 <ALLOWANCE-CLOSE> (774) <ALLOWANCE-DOMESTIC> (774) <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0