<ARTICLE> 9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          10,372
<INT-BEARING-DEPOSITS>                             576
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<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                          92,818
<INVESTMENTS-MARKET>                            92,522
<LOANS>                                      1,008,924
<ALLOWANCE>                                     13,253
<TOTAL-ASSETS>                               1,201,880
<DEPOSITS>                                   1,037,416
<SHORT-TERM>                                     5,000
<LIABILITIES-OTHER>                             14,685
<LONG-TERM>                                     59,708
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,735
<OTHER-SE>                                      78,336
<TOTAL-LIABILITIES-AND-EQUITY>               1,201,880
<INTEREST-LOAN>                                 68,609
<INTEREST-INVEST>                               11,102
<INTEREST-OTHER>                                     0
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<INTEREST-DEPOSIT>                              44,791
<INTEREST-EXPENSE>                              48,172
<INTEREST-INCOME-NET>                           31,539
<LOAN-LOSSES>                                      196
<SECURITIES-GAINS>                                 610
<EXPENSE-OTHER>                                 15,788
<INCOME-PRETAX>                                 19,214
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-BASIC>                                       1.92
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<YIELD-ACTUAL>                                    2.81
<LOANS-NON>                                      2,160
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                13,223
<CHARGE-OFFS>                                      285
<RECOVERIES>                                       119
<ALLOWANCE-CLOSE>                               13,253
<ALLOWANCE-DOMESTIC>                            13,253
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0