<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
FINANCIAL STATEMENTS IN THE FORM S-1 AND IS QUALIFIED IN ITS ENTIRETY BY 
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               JUN-30-1999
<CASH>                                           6,668
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,565
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    211,185
<INVESTMENTS-CARRYING>                          28,295
<INVESTMENTS-MARKET>                            28,519
<LOANS>                                        353,012
<ALLOWANCE>                                      3,027
<TOTAL-ASSETS>                                 609,398
<DEPOSITS>                                     435,462
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              9,329
<LONG-TERM>                                    105,250
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      59,357
<TOTAL-LIABILITIES-AND-EQUITY>                 609,398
<INTEREST-LOAN>                                 25,736
<INTEREST-INVEST>                               16,746
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                42,482
<INTEREST-DEPOSIT>                              19,860
<INTEREST-EXPENSE>                              25,512
<INTEREST-INCOME-NET>                           16,970
<LOAN-LOSSES>                                    1,779
<SECURITIES-GAINS>                                 135
<EXPENSE-OTHER>                                 10,372
<INCOME-PRETAX>                                  6,570
<INCOME-PRE-EXTRAORDINARY>                       6,570
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,072
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.52
<LOANS-NON>                                      2,143
<LOANS-PAST>                                     2,143
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,723
<CHARGE-OFFS>                                      516
<RECOVERIES>                                        41
<ALLOWANCE-CLOSE>                                3,027
<ALLOWANCE-DOMESTIC>                             3,027
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            659