<ARTICLE>                                            9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-START>                                 JUL-01-1998
<PERIOD-END>                                   JUN-30-1999
<CASH>                                         33,255
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<LOAN-LOSSES>                                  650
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<ALLOWANCE-UNALLOCATED>                        8,014