<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