<ARTICLE> 9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                      13,220,130
<INT-BEARING-DEPOSITS>                       1,847,826
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                122,047,213
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<ALLOWANCE>                                  3,134,664
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<DEPOSITS>                                 464,169,478
<SHORT-TERM>                                20,800,789
<LIABILITIES-OTHER>                          9,611,868
<LONG-TERM>                                117,816,596
<PREFERRED-MANDATORY>                                0
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<INTEREST-TOTAL>                            41,136,152
<INTEREST-DEPOSIT>                          17,884,113
<INTEREST-EXPENSE>                          24,864,126
<INTEREST-INCOME-NET>                       16,272,026
<LOAN-LOSSES>                                  365,000
<SECURITIES-GAINS>                                   0
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<INCOME-PRETAX>                              7,263,465
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 4,563,465
<EPS-BASIC>                                        .97
<EPS-DILUTED>                                      .96
<YIELD-ACTUAL>                                    2.99
<LOANS-NON>                                  2,064,000
<LOANS-PAST>                                   396,000
<LOANS-TROUBLED>                               440,736
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<ALLOWANCE-OPEN>                             2,607,167
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<ALLOWANCE-DOMESTIC>                         3,134,664
<ALLOWANCE-FOREIGN>                                  0
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