<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> JUN-30-1999 <PERIOD-START> JUL-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 19,742 <INT-BEARING-DEPOSITS> 26 <FED-FUNDS-SOLD> 31,260 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 320,591 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 616,621 <ALLOWANCE> 6,622 <TOTAL-ASSETS> 1,021,599 <DEPOSITS> 884,191 <SHORT-TERM> 0 <LIABILITIES-OTHER> 8,026 <LONG-TERM> 45,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 66 <OTHER-SE> 84,316 <TOTAL-LIABILITIES-AND-EQUITY> 1,021,599 <INTEREST-LOAN> 23,627 <INTEREST-INVEST> 11,975 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 35,602 <INTEREST-DEPOSIT> 20,431 <INTEREST-EXPENSE> 23,551 <INTEREST-INCOME-NET> 12,051 <LOAN-LOSSES> 1,200 <SECURITIES-GAINS> 159 <EXPENSE-OTHER> 11,970 <INCOME-PRETAX> 453 <INCOME-PRE-EXTRAORDINARY> 299 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 299 <EPS-PRIMARY> 0.05 <EPS-DILUTED> 0.05 <YIELD-ACTUAL> 2.37 <LOANS-NON> 6,960 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,448 <LOANS-PROBLEM> 2,786 <ALLOWANCE-OPEN> 6,271 <CHARGE-OFFS> 976 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 6,496 <ALLOWANCE-DOMESTIC> 6,496 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 4,967