<ARTICLE> 9

                                                  
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          JUN-30-2000             JUN-30-1999
<PERIOD-START>                             JUL-01-1999             JUL-01-1998
<PERIOD-END>                               JUN-30-2000             JUN-30-1999
<CASH>                                          14,955                  10,372
<INT-BEARING-DEPOSITS>                           5,360                     576
<FED-FUNDS-SOLD>                                55,600                  64,042
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     20,044                  22,313
<INVESTMENTS-CARRYING>                         101,563                  92,818
<INVESTMENTS-MARKET>                                 0                  92,522
<LOANS>                                      1,047,737               1,008,924
<ALLOWANCE>                                     13,368                  13,253
<TOTAL-ASSETS>                               1,250,986               1,201,880
<DEPOSITS>                                   1,080,096               1,037,416
<SHORT-TERM>                                         0                   5,000
<LIABILITIES-OTHER>                             13,157                  14,685
<LONG-TERM>                                     73,467                  59,708
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         6,735                   6,735
<OTHER-SE>                                      77,531                  78,336
<TOTAL-LIABILITIES-AND-EQUITY>               1,250,986               1,201,880
<INTEREST-LOAN>                                 74,253                  68,609
<INTEREST-INVEST>                               10,417                  11,102
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                84,670                  79,711
<INTEREST-DEPOSIT>                              46,408                  44,791
<INTEREST-EXPENSE>                              49,835                  48,172
<INTEREST-INCOME-NET>                           34,835                  31,539
<LOAN-LOSSES>                                      236                     196
<SECURITIES-GAINS>                                   0                     610
<EXPENSE-OTHER>                                 17,368                  15,788
<INCOME-PRETAX>                                 20,794                  19,214
<INCOME-PRE-EXTRAORDINARY>                      20,794                  19,214
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    13,218                  12,098
<EPS-BASIC>                                       2.25                    1.92
<EPS-DILUTED>                                     2.23                    1.88
<YIELD-ACTUAL>                                    2.95                    2.81
<LOANS-NON>                                      2,342                   2,160
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                13,253                  13,223
<CHARGE-OFFS>                                      257                     285
<RECOVERIES>                                       136                     119
<ALLOWANCE-CLOSE>                               13,368                  13,253
<ALLOWANCE-DOMESTIC>                            13,368                  13,253
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0