<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS 6-MOS <FISCAL-YEAR-END> JUN-30-1999 JUN-30-1998 <PERIOD-END> DEC-31-1999 DEC-31-1998 <CASH> 22,816 14,462 <INT-BEARING-DEPOSITS> 10,087 5,462 <FED-FUNDS-SOLD> 0 14,225 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 180,496 112,722 <INVESTMENTS-CARRYING> 31,137 69,237 <INVESTMENTS-MARKET> 31,529 70,276 <LOANS> 639,619 595,208 <ALLOWANCE> 8,489 8,316 <TOTAL-ASSETS> 931,349 850,088 <DEPOSITS> 682,104 651,070 <SHORT-TERM> 34,343 4,542 <LIABILITIES-OTHER> 9,119 9,391 <LONG-TERM> 114,238 96,406 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 8,794 8,386 <OTHER-SE> 82,751 80,293 <TOTAL-LIABILITIES-AND-EQUITY> 931,349 850,088 <INTEREST-LOAN> 26,046 25,629 <INTEREST-INVEST> 6,836 6,178 <INTEREST-OTHER> 37 568 <INTEREST-TOTAL> 32,919 32,375 <INTEREST-DEPOSIT> 13,677 14,286 <INTEREST-EXPENSE> 17,058 17,159 <INTEREST-INCOME-NET> 15,861 15,216 <LOAN-LOSSES> 641 299 <SECURITIES-GAINS> (6) 29 <EXPENSE-OTHER> 11,955 10,811 <INCOME-PRETAX> 6,345 6,428 <INCOME-PRE-EXTRAORDINARY> 6,345 6,428 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 4,506 4,436 <EPS-BASIC> 0.51 0.51 <EPS-DILUTED> 0.51 0.51 <YIELD-ACTUAL> 3.73 3.81 <LOANS-NON> 5,313 3,134 <LOANS-PAST> 2,896 3,228 <LOANS-TROUBLED> 0 762 <LOANS-PROBLEM> 1,189 0 <ALLOWANCE-OPEN> 8,679 8,645 <CHARGE-OFFS> 1,136 792 <RECOVERIES> 305 164 <ALLOWANCE-CLOSE> 8,489 8,316 <ALLOWANCE-DOMESTIC> 8,489 8,316 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 2,292 2,624